Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint with CFPB ( XXXX ) on XX/XX/2020 on Equifax for the inaccurate reporting of the a collection account with XXXX XXXX. I received the following response from Equifax " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX ''. 

The problem with this I contacted Equifax in XX/XX/2020 regarding this same account. Along with the complaint I provided proof of Identification ( The exact same that being provided in this complaint ).

15 USC 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller ''.

Equifax has had 3 opportunities prior to this complaint to contact the data furnisher to verify the account. That was not my initial complaint with Equifax. My initial complaint was for them to provide me with the method of verification. ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i ) How did they verify the account to be accurate, who did they talk to, what information was forwarded back to them to confirm the accuracy of account. I specifically, requested that they DO NOT USE any forms of automation to re-investigate the account such as E-Oscar. 

I've never received from Equifax the information I requested from Equifax. Even today as I submit this second complaint the information has not been sent. I'm including the letter I sent Equifax requesting the information.

Company response to consumer: Closed with explanation