Consumer complaint received 2020-09-30
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: Investigation took more than 30 days

Complaint:
First, I filed a Complaint with cfpb, on XX/XX/XXXX, related to Equifax, complaint number XXXX. The Complaint related to Equifax refusal to properly investigate and/or remove derogatory information within the time frame allowed by law. My first dispute and request for investigation or removal of derogatory information was filed and received by Equifax on XX/XX/XXXX. My dispute letter was supported by undisputable evidence that the derogatory information was inaccurate. As of today, Equifax has not properly investigated or removed the derogatory information. Specifically, Equifax has not responded to a single dispute letter ; however, Equifax did respond by e-mail to cfpb forwarding of my complaint, complaint number XXXX. The response said nothing, except that they would investigate and get back to me. However, as of today not one single written response. Most importantly, they have not removed the derogatory information complained about, since XX/XX/XXXX nor have they justified leaving allowing the derogatory information remaining on my credit report. The information I am speaking of relates to the following, companies and/or creditors ; whom are inaccurately reporting derogatory information : ( a ) US Dept of Education/XXXX # XXXX Account No. XXXX - this debt was paid in full on or about XX/XX/XXXX, See attached evidence. Irrespective of the evidence provided to Equifax, by US mail and attached to my cfpb complaint, complaint number XXXX they have refused to investigate or remove the derogatory information, within the time frame required by law. My credit report, with Equifax, currently shows past due payments and/or collection status as of XXXX, related to my student loan. I asked Equifax to explain how I could have a 120 - day  late payment in XXXX, when in fact the entire debt was paid in XXXX? Equifax refused to respond or remove the derogatory reporting. 

Equifax Credit Report indicates that my student loan, loan number XXXX/Account No. XXXX was transferred to and consolidated with student loan number US Dept of Education #  XXXX ... This makes absolutely no sense and is contrary to Equifaxs own Credit Report. Equifax own Report states that my student loan, loan number XXXX/Account No. XXXX, has a XXXX   balance. Additionally, the documents I sent to Equifax state that the balance was/is XXXX, as of XX/XX/XXXX. The student loan, loan number US Dept. of Education # XXXX ..., says that there is a {$2200.00} balance. So how does that work. Assuming for argument sake Equifax was correct, which they are not, why would they report derogatory twice for the same allegedly consolidated loan? 

I first complained and disputed about this incorrect reporting on XX/XX/XXXX ; but because of Equifax 's negligence I have been damaged financially and continue to be damaged financially, regarding this matter. 

( b ) On XX/XX/XXXX, I requested that Equifax correct inaccurate reporting related to XXXX XXXX XXXX XXXX ; however, as of today Equifax has not investigated or corrected or removed those derogatory remarks. In addition, I complained about Equifaxs negligence to cfpb on XX/XX/XXXX, complaint number XXXX ; however, still as of today Equifax has not removed the derogatory information. 

( c ) On XX/XX/XXXX, I requested that Equifax correct inaccurate reporting related to XXXX/XXXX. XXXX XXXX ; however, as of today Equifax has not investigated or corrected or removed those derogatory remarks. In addition, I complained about Equifaxs negligence to cfpb on XX/XX/XXXX, complaint number XXXX ; however, still as of today Equifax has not removed the derogatory information. 


I am asking that cfpb intervene, because Equifax refuses to comply with the law. My credit has been damaged 100 percent because of Equifax 's negligence and refusal to comply with the law as mandated by congress. 

By : XXXX XXXX XXXX, XXXX All Necessary documents were provided to Equifax by cfpb, when cfpb forwarded my complaint, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation