Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: TX
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:
To whom it may concern, I have a situation that requires your authority and concentrated attention. I would like you to know that Equifax, as well as the credit reporting system as a whole, is a complete and biased, XXXX discriminatory failure. Myself as well as my personal credit file is being targeted and purposefully sabotaged by Equifax Information Services LLC. In complaint # 's, XXXX, and XXXX I compiled statements and facual based evidence of Equifax purposefully, willfully and recklessly reporting false information, even after being notified multiple times of the factual based reporting errors, yet failed to investigate, or re-investigate, and/or correct the problem or remove the account. In this particular complaint, I submitted and online dispute in reference to an account that reflects incorrect late payments. I requested in the comments to have the furnisher, XXXX XXXX conduct an investigation into the falsified late payments. I requested from Equifax through their website a bank statement, a billing statement, and any documents or any contracts bearing my signature of loan authorization. XXXX XXXX had a data breach in 2017 causing multiple inaccuracies to be reported to consumer credit files in which they never updated or corrected. Equifax did absolutely nothing at all. Equifax did not even reach out to the furnisher or conduct any research into the dispute whatsoever. In fact, after I submitted the dispute, 30 mins later, sent back a response through their website stating in context that the payment history is 100 % accurate and nothing is going to be done more at this point ; thus making it beyond obvious that no research was conducted at all. They never reached out to the furnisher to submit my dispute and used subjectivity and made false biased claims. XXXX XXXX has over 6.5 million customers, how would could a lender that large answer a consumer dispute in XXXX mins? This is just getting flat-out ridiculous. These people are making a complete charade out of my life. CFPB, what are you here for? How can you let these agencies get away with these atrocious financial crimes? Your primary function is to spot discriminatory patterns and biases, a make concerted efforts stop these types of agency 's from discriminating and help foster a more fair financial marketplace. When you see these types of events happening multiple times, ( which is in my case ) it is right in line with what your duties are. If you reference the aforementioned complaints about Equifax, you will be able to identify the obvious pattern of consumer abuse. Equifax 's treatment of my life and credit background is a full fledged XXXX discriminatory attack. XXXX XXXX XXXX and XXXX XXXX, our public officials, have stated on record that these credit reporting agencies use illegal, biased and corrupt tactics in order to create opportunities for XXXX and purposefully " redlining '' certain zip codes, and areas so that XXXX and XXXX  won't share the same prosperity and opportunities. What makes this event so cruel and inhumane is that I can't even rent an apartment or even land a dignified job because of this false reported account that's ruining my background. I'm stuck cleaning wheels for rental car agency making starvation wages. I even have an XXXX XXXX. All my years of hard work and the large amount of funds that I paid for schooling can not even be utilized. Jobs check credit, Insurance check credit, apartments check credit. Equifax slowly and methodically, is purposefully destroying my life. The CFPB does nothing and has become a useless tax burden for the same average American that they established to protect.

Company response to consumer: Closed with explanation