Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, XXXX XXXX To Whom It May Concern, I, XXXX XXXX XXXX, consumer, and natural person, are aware of all the rights that I have and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of companies below have continuously violated my rights to privacy and confidentiality. My first complaint was on XX/XX/XXXX. The next request ( XX/XX/XXXX through certified mail ) was in response to the CFPB about my personal information and credit report because of identity theft and several company breaches ( Equifax and XXXX being 2 of those companies ). Then I sent another complaint on ( XX/XX/XXXX ) and was told ( via phone ) that the 3 bureaus only have 15 days to respond back. Obviously that has not happened because today is the XXXX XX/XX/XXXX and this incorrect information is still present on my report. According to the Law enacted by Congress the 3 major credit bureaus have only 30-35 days to respond. The Laws that have been violated are as follows : 15 USC 1681 sec : 602A : states that I have the right to privacy 15 USC 1681 sec : 604A. States that consumer reporting agency can not furnish an account without my permission 15 USC 1681n : ( a ) In general any person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( A ) any actual damages as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 15 USC 1681 sec : 611 Reinvestigation Required : if a consumer disputes said inaccurate information the credit bureaus are suppose to conduct a thorough investigation, free of charge to said consumer, to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with the with paragraph ( 5 ), before the day of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( C ), the 30 day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30 day period that is relevant to the investigation. 

( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30 day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

15 USC 1681 sec : 623 states a person shall not furnish incorrect information especially if the consumer has stated that the information is wrong 15 USC 1692c : ( a ) Communication with the consumer generally : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

I also called Equifax to ask them to correct the personal information and they stated that I was to send them a copy of my Drivers License and proof of address ( which was ) a copy of my bank statement which I did on XX/XX/XXXX. The, in turn, sent me a letter stating that the information on record was incorrect! Of course it was, It was inaccurate to begin with. This is how they bide more time. That is illegal. I have posted the Laws that they have broken. In my last uploaded complaint to the CFPB I sent proof that Equifax, XXXX XXXX, tampered with the US Mail by removing the code from the top of the card to the bottom, then she stamped it with a legal stamp and returned it way after the time it was sent to give them more time to harm my case. 
XXXX reported no information on my XX/XX/XXXX credit report. If there is no information then why are the other 2 bureaus reporting any information? These credit bureaus have breaches and they sell and resell a consumers information to make money so then who's to say that the data is correct? Surely, not the bureaus themselves. I am requesting that the CFPB IMMEDIATELY REMOVE THESE INACCURATE ACCOUNTS.

Company response to consumer: Closed with explanation