Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Hello, My name is XXXX XXXX, I sent a dispute letter to Equifax that was received on XXXX, by law CRA has 5 business days from date received to open dispute as was told by XXXX from Equifax fraud department on XXXX. My document was only uploaded and my dispute was not opened until XXXX per XXXX. In the dispute was a list of account requesting deletion and method of verification. On XXXX the requested accounts was deleted from my credit file. This information was gathered from checking my report on XXXX XXXX. I have yet to receive any documentation from equifax about this dispute and it has passed the 30 days allowed for investigation. 

I called equifax today XXXX in reference to my credit score dropping 25 points with no change in my report and was told that and account that is noted as deleted was still appearing on my report. I then asked why is that? and why havent I received my results in the mail and the method used to verify this accounts accuracy as I requested. I called at approximately XXXX and the call lasted until XXXX, speaking with XXXX from the fraud department after other departments transferred me. 

XXXX stated that there was no dispute that was received for the account that was deleted and placed back on my report, in which is XXXX XXXX. I then asked if there is no disputed why was it deleted with all the other accounts that was sent on my dispute letters. He pretended to search all the systems and proceeded with we have no record of a letter for that account. He also stated that I would have to open a new dispute and wait another 30 days. I said why is that when I have already disputed this account, it could not be verified and it was deleted on XXXX, but it seems you guys out the account back, how was the accuracy of this account verified. He stated the CRA does not have the power to remove accounts. The account was never removed. As we continued on with the conversation as I was providing from of the agaencies negligence, XXXX then told me that the creditor put the account on my report equifax did not. I ask, XXXX XXXX has access to your system and software and can place things on my credit file, is what you are saying? XXXX said yes. It was not done by Equifax, I then reminded XXXX that he was on a recorded line. He then recanted his statement saying the creditor reported the account again. I said ok, so how was this account verified as accurate after it was already removed, he stated that if a creditor reports that an account is mine they must put it on my report. i stated, but doesnt this information have to verified, he stated they have to report what the creditor reuest and the creditors asked for the account to e placed back on my report. I said ok, It is over 30 days why have i not received the results of the investigation and how the verifiaction was conducted. He then stated that it was not 30 days because they did not open up the dispute until XXXX. I said but why is that? I sent the letter certified mail and it was recived on XXXX, he stated it is not against the law to open up the dispute those many days late after stated they are allowed 5 business days. He then stated the account was never deleted, he can not find any documents disputing the account. He said he has to open another investigation and I have to wait. 

Then he stated he found the dispute and the account was disputed for late payments because of medical and insurance information. This is where i got lost. I was baffled about this agencies negligence to assure information on my report was accurate and up to date. XXXX then sated he found the dispute and the account was delted but was put back because the creditor requested it, I said was the account verified to be mines and accurate he stated yes, i asked what was the process, he stated they do not have to give me that infomraion I have to contact the creditor to tell them to stop reporting the account. I stated so there was no documetation received that verified the accuracy of the account being mines, he stated no. 

I have not received and documentation in the mail in reference to my dispute still. It has been well over 30 days. XXXX XXXX was removed and placed back on my report without verifying its accuracy and was initially opened up as the wrong dispute type. Equifax has failed to follow the FCRA regulations.

Company response to consumer: Closed with explanation