Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried numerous times to get a full corrected credit report from Equifax. I called 3 times on XX/XX/XXXX trying to figure out why I have not received a new credit report following disputing a few accounts on my credit report. I was told by all three representatives that I was having a credit report sent to my address. I never got a credit report from Equifax. Also, I called on XX/XX/XXXX because of my credit file being wiped account to XXXX  and XXXX XXXX, I was told that their was a glitch and that it would be fixed soon, so I requested a credit report be sent to me once it was fixed. The lady said yes she put in a request for one to be sent once my account were back. My accounts were put back on my credit file a week later account to XXXX XXXX and never got my updated credit report. Also, called XX/XX/XXXX about an account on my credit report and was told I had no negative accounts on my credit report but after researching on my own I saw that the Equifax representative lied about what was on my credit report. A few days after that phone call my credit report on XXXX XXXX ( since it only updates weekly ) and XXXX ( I paid for an updated report from XXXX ) updated and I saw negative accounts on those reports. XX/XX/XXXX I requested yet again for an updated credit report since the online dispute feature was down, I was told by a lady representative that it would be mailed out. I got back dispute results from a dispute that I put out against some accounts on XX/XX/XXXX. I sent back a letter requesting documentation on one account asking how they verified this account and validated the debt as true and accurate. Today on XX/XX/XXXX I got a letter stating that said, " unfortunately, we have not received any additional, relevant information or documentation from you to substantiate your claim that certain information in your credit file is incorrect. In addition, the information you are disputing has been previously verified as being accurate. Therefore we will not be conducting further investigation into this particular dispute ''. I asked Equifax in the letter I sent this, " By the provisions of the Fair Credit Reporting Act, Section 611, I demand that these items indicated be investigated, and promptly delete any unverifiable, or outdated information from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. I understand that under 15 U.S.C. Sec. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the reinvestigation within 30 days of receipt of this letter. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please do not respond to my request by saying that these accounts have been verified without copies of the documents that you have in your files used to verify the items in question. Furthermore, if there is a change in my credit report history resulting from your investigation, I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last year for any other purpose. Yet again, I asked for an updated credit report and they declined. Also, they declined to adhere to my right to ask for documentation for verification and validation of the debt, yes Equifax claims it was " verified '' but I am asking how and what was used to verify it.

Company response to consumer: Closed with explanation