Consumer complaint received 2017-11-07
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:
This is in response to your response to me via CFPB regarding the complaint that I filed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Equifax responded that Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. This statement is incorrect. In XXXX of XXXX I sent 3 Certified Letters to Equifax that have been sitting at the post office since XXXX of XXXX. On XXXX/XXXX/XXXX I submitted another complaint via CFPB, complaint number XXXX, with attachments showing the following : All of the certified letters that I have sent to Equifax has not been picked from the post office. Equifax is not picking up the mail from their P.O. Box. Tracking # XXXX, XXXX, XXXX all show DELIVERY ATTEMPT ACTION NEEDED The certified letters have all been available for pick up from the post office since XXXX XXXX, XXXX. These letters which I paid good money to send certified have been sitting at the post office in XXXX, GA since XXXX/XXXX/XXXX at XXXX XXXX I also provided you a copy of my bank statement from XXXX of XXXX showing that I paid XXXX XXXX {$410.00}. XXXX XXXX deducted the funds out of my checking account on XXXX XXXX. Instead of deleting XXXX XXXX, because they should have never been on my credit report, Equifax increased the amount owed on my credit report by {$830.00} now making the alleged debt owed to {$1200.00} with a last payment of {$410.00} showing the last payment date of XXXX. THAT ALONE IS ENOUGH TO SUE EQUIFAX FOR CLEAR VIOLATION OF THE FCRA. I never borrowed {$1200.00} from XXXX XXXX and there is not a document a exists that can prove that I ever borrowed that amount. Equifax intentionally changed my credit report to reflect an ILLEGAL, ERRONEOUS DEBT OF {$1200.00}. Equifax has ignored my repeated request to VALIDATE THEIR RECORDS AS PER Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure Section which is to provide for the protection of consumers against false and erroneous reporting. 
This section of the FCRA places the burden upon the Credit Bureaus and the creditor to prove an account is yours. 
To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). Instead of picking up the documents that I provided as proof from the post office, and ignoring the complaint that I filed on XXXX/XXXX/XXXX, with the same documents that I sent certified to Equifax, now attached to complaint number XXXX, shows that not only has Equifax failed to investigate this matter, but Equifax has intentionally altered my credit report with erroneous information and sent me proof that they have done so. That is enough for me to go and obtain a FREE CONSUMER RIGHTS ATTORNEY and sue Equifax for {$1000.00} per violation for. 1. Defamation 2. Negligent Enablement of identity fraud. 3. Violation of the Fair Credit Reporting Act! 
Once again I am requesting that all of the following be deleted and blocked or I will take all of this information and sue Equifax : Inquiries From- None of these companies listed below can provide you signed document bearing my signature showing that I requested them to run my credit. I have never contracted with any of these people. I fomrally request that all inquiries be removed from my credit report. Factual Data XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ND XXXX XXXX ND XXXX XXXX XXXX XXXX XXXX I have never done business with this company. NO contract. XXXX XXXX XXXX XXXX NO Contract All information listed on my credit report regarding this account is incorrect. I even sent you documentation showing that this was paid in full in XXXX directly to XXXX XXXX from my checking account. I request that all of the following addresses be removed from my credit file as they are not accurate address and per the FCRA do not represent my true credit file. PLEASE REMOVE : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX PLEASE REMOVE EMPLOYMENT : XXXX XXXX : XXXX I am again requesting information be validated. Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation and your METHOD OF VALIDATION. I am aware that the credit bureaus employ all sorts of interesting automated tactics in an attempt to deal with deadlines. Yet many times the computerized methods fail to do their job properly. According to the law, the burden of proof is on the credit bureau and not the furnisher of the information and most importantly NOT THE CONSUMER ( ME ). 
I am again attaching the same documents that I have provided to you before as proof that Ad XXXX and XXXX should not be on my credit reports. THIS IS MY FINAL GOOD WILL ATTEMPT. I will also be filing a complaint and providing this documentation to the FTC. I am attempting to have you correct you records simply because Equifax are the ones that is now reporting false, altered, and erroneous information in my credit file which I can prove in a court of law!!! I am attaching a letter from XXXX XXXX showing that XXXX advised me that this is NOT AN ATTEMPT TO COLLECT A DEBT. I asked for validation of the debt per the FAIR DEBT COLLECTION PRACTICES ACT and I received nothing but that letter. Yet Equifax has them listed on my credit report. These are several violations alone. 

Please find attached once again a screen shot of all 3 tracking numbers from XXXX XXXX showing that Equifax has intentionally not done their due diligence. I am again attaching a copy showing that XXXX XXXX was paid, yet Equifax allowed XXXX XXXX a company I have never done business with to report false information on my credit report, hurting my livelihood. I will file suit!!!

Company response to consumer: Closed with explanation