Consumer complaint received 2021-01-14
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: Investigation took more than 30 days

Complaint:
On XXXX, XXXX XXXX I sent out documents citing violations against me from 3 companies that were inaccurately reporting on my credit reports & I was requesting validation. 

The 3 companies are as follows : XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX. 


The documents were received and signed for on XX/XX/XXXX for by an individual from the following companies - XXXX XXXX XXXX, XXXX XXXX ( XXXX  XXXX XXXX XXXX  XXXX ), and XXXX XXXX, XXXX. All 3 companies falsely, inaccurately reporting to my credit reports. 

The documents that I sent out in order to remove these accounts were an Afiidavit of Truth, a Debt Validation request, an exhibit proving the violation of 15 USC 1692d ( 1 ) and an invoice for such violation. ( ALL WHICH HAVE BEEN ATTACHED FOR THE CFPB TO VIEW AS PROOF ) These documents were received on XX/XX/XXXX as the certified mail receipt attached shows. After not receiving any response from these companies, the items should have been removed after the 30 day period which would be XX/XX/XXXX. 


On XX/XX/XXXX I then contacted the 3 major bureaus ( XXXX, XXXX, and Equifax ) sending them these proofs via mail and requesting these accounts be removed and my invoices to be fulfilled. The 3 credit Bureaus received the exact same documentation that was sent to the 3 companies and were sent proof that the companies received these documents on XX/XX/XXXX. I have not received anything back from any of the 3 bureaus or the 3 companies as of yet. I'm contacting the CFPB now to help remedy this situation to have the accounts removed and all the invoices fulfilled. 

In the attached documents and screens shots you will be able to clearly see the inaccuracies which is most likely the reason that my Affidavit of Truth & Debt Validation requests have never been answered. 

The company XXXX XXXX  received my correspondence on XX/XX/XXXX and were not reporting to my Equifax at the time and then began reporting to my Equifax afterwards. These are clear violations. On XX/XX/XXXX XXXX XXXX was removed from my XXXX. This clearly shows that they were removed for a reason. Attached will be the screenshot that shows the removal of the XXXX XXXX item from my XXXX  report. 

Attached will be a screen shot of my Equifax report stating that I have 0 collections on XX/XX/XXXX but somehow on XX/XX/XXXX the collection for XXXX XXXX XXXX began showing. How is this possible? My letters were sent out on XX/XX/XXXX and received XX/XX/XXXX. My letters were sent to XXXX for reporting to my XXXX  credit reports and they then began reporting to my Equifax on XX/XX/XXXX. 




An Affidavit unrebutted stands as Truth. 

Affidavit uncontested unrebutted unanswered [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22, 1982 1982 ] " Allegations in affidavit in support of motion must be considered true in absence of counter-affidavit. '' [ Group v Finletter, 108 F. Supp. 327 Federal case of Group v Finletter, 108 F. Supp. 327 ] An affidavit uncontested unrebutted unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true. '' Since XX/XX/XXXX when my Affidavit of Truth was received with other documents, my Affidavit of truth has still NOT been rebutted line by line by these XXXX companies yet. This should've resulted in the items before mentioned being removed. 

The Debt Validation Request letter received by the 3 companies on XX/XX/XXXX which requested proof has also not been responded to. Pursuant to Fair Debt Collection Practices, 15 USC 1692g, if a company fails to respond to the debt validation request within 30 days, all references to such accounts must be deleted and completely removed from my credit file.

Company response to consumer: Closed with explanation