Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX, I obtained a copy of my credit reports. I noticed that XXXX XXXX was reporting inaccurate entries. To that end, I contacted the credit bureaus to dispute the items. Their response was that the account was valid and belonged to me. At that time, I sent a letter ( see attached ) to XXXX XXXX with the address listed on my reports. The letter was returned back to me as undeliverable ( see attached ). I then communicated again with Equifax concerning these entries stating that the dispute I submitted to the company was returned undeliverable ; therefore, the company should not have been able to validate with them if in my attempt to reach them was unsuccessful. I did not hear anything from Equifax for a number of months regarding this dispute. I then re-disputed these entries with Equifax and submitted a complaint via CFPB. Equifax still did not respond to the dispute within 30 days. It was at the 60 day mark when I received an email from CFPB that they had informed Equifax that a response was due and their lack of not responding was unacceptable. The very next day I received a response from Equifax that they would be mailing the response ( see attached ). In my review of their response in the report they sent me dated ( XXXX ), they are reflecting only 1 entry from XXXX. They did not address any of my concerns regarding the reporting of these entries as I sought in my initial dispute with the CFPB. 

In my communication to XXXX, I requested copies of all charges, skips, invoices, promissory notes, etc, payments received as well as all account activities. I requested that copies of all documents sent to me regarding these entries as well as copies of any papers that bore my original signature that show I agreed to pay them what they say I owe. This information could not be verified due to the dispute being undeliverable. 

In reviewing the response from Equifax, I have great difficulty in understanding how what the correct address is? In XX/XX/XXXX, I have an address of which I sent my dispute. In the XX/XX/XXXX letter that I received from Equifax they reflect yet another address and on my credit report I retrieved on XX/XX/XXXX, there is yet another address. If the company truly responded to Equifax why then did Equifax not provide me with what the company provided to them. Additionally, if XXXX responded to Equifax, why did they not attempt to communicate with me after receiving notification of my dispute. 

Further, this company is reflecting that I owe them for 3 accounts on my XX/XX/XXXX report that I paid for, yet the report that Equifax sent dated XX/XX/XXXX only reflects 1 entry. There is a total disregard for the law and ensuring that my files are updated and accurate. The FCRA states that all entries on a consumer 's credit file must be 100 percent accurate, verifiable and timely. How then are these entries reporting and what is the basis for these? What documentation supports that I have 3 accounts with this company and that I indeed owe them? XXXX nor the bureaus have provided any supporting documentation to reflect that the statute of limitations has not expired on these alleged debts nor have I received any documents that reflect my signature stating that I originated a contract with them let alone that I owe them. Nothing has been produced to substantiate anything!!!! DELETE THESE ENTRIES IMMEDIATELY!!!!

Company response to consumer: Closed with explanation