Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: IL
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:
This company has not followed the guidelines at all. I have filed several CFPB complaints against them for not complying! Complaint XXXX was filed on XX/XX/20 on XX/XX/20 the company responded and stated that they were investigating my issues and that I'd receive an updated credit report and investigation results. It is now XX/XX/20. 60 days later! I haven't received the results of the investigation that took place for my daughter and I. That complaint was closed insufficiently. I filed a new CFPB complaint XXXX on XX/XX/20 because they continue to report incorrect information regarding my creditors. I sent one complaint to the actual creditor and one complaint to Equifax. Equifax closed the complaint on XX/XX/20 again without conducting a proper investigation and the results of the investigation. I filed a 3rd CFPB complaint XXXX against Equifax which they closed on XX/XX/20. On each complaint I attached a different piece of evidence. Letters, screenshots from the XXXX XXXX app and other sources that I used to show proof that they are reporting incorrect information. They also added a fraud alert that I didn't personally request to be added. I understand that it was on XXXX in error and they reported it to Equifax. I called Equifax and requested that it be removed. It was removed and added back. I requested to remove incorrect addresses, they removed everything in my profile and added it back. My daughter, did the same! They are refusing to comply. At this point. I would like to know how to proceed with a lawsuit against them because they continue to violate our rights. My daughter was included in every complaint, they failed to address that issue. They failed to send us updated copies of our dispute requests and they also failed to provide us with verification and explain how the accounts were verified and validated. None of our issues have been resolved. This company has not followed the guidelines at all. I have filed several CFPB complaints against them for not complying! Complaint XXXX was filed on XX/XX/20 on XX/XX/20 the company responded and stated that they were investigating my issues and that I'd receive an updated credit report and investigation results. It is now XX/XX/20. 60 days later! I haven't received the results of the investigation that took place for my daughter and I. That complaint was closed insufficiently. I filed a new CFPB complaint XXXX on XX/XX/20 because they continue to report incorrect information regarding my creditors. I sent one complaint to the actual creditor and one complaint to Equifax. Equifax closed the complaint on XX/XX/20 again without conducting a proper investigation and the results of the investigation. I filed a 3rd CFPB complaint XXXX against Equifax which they closed on XX/XX/20. On each complaint I attached a different piece of evidence. Letters, screenshots from the XXXX XXXX app and other sources that I used to show proof that they are reporting incorrect information. They also added a fraud alert that I didn't personally request to be added. I understand that it was on XXXX in error and they reported it to Equifax. I called Equifax and requested that it be removed. It was removed and added back. I requested to remove incorrect addresses, they removed everything in my profile and added it back. My daughter, did the same! They are refusing to comply. At this point. I would like to know how to proceed with a lawsuit against them because they continue to violate our rights. My daughter was included in every complaint, they failed to address that issue. They failed to send us updated copies of our dispute requests and they also failed to provide us with verification and explain how the accounts were verified and validated. None of our issues have been resolved. I should have no phone numbers, no email address, no employer, no previous addresses, no variations or other spellings of my name. I should be permanently opted out of prescreening, marketing, information sharing. I do not want my information shared or sold. I do not want my credit information accessible to anyone else. I should have a security freeze NOT fraud alert! Remove the fraud alert immediately! I need to be sent a NEW UPDATED COPY OF MY CREDIT REPORT! Additional document attached!

Company response to consumer: Closed with explanation