Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: CT
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:
I sent a 4th letter to Equifax on XX/XX/2023, in regards to an unverified account ( XXXXXXXX XXXX  ). However, it's been more than 30 days and Equifax fails to send my investigation back with verifiable proof. This is not making any sense! 

In addition, Equifax not only fails to thoroughly investigate, but also fails to read/address my concerns within my letters. Via the CFPB, Equifax provided a response to my claim pertaining to an incorrect 'Inquiry ' reporting on my credit report. What? Who is responsible for reviewing/verifying disputes/claims? That is 100 % incorrect, and was not the reasoning for my claim. My claim is pertaining to an unverifiable account reported on my credit. 

Equifax is sending out irrelevant letters that aren't needed, trying to give me the run around. On XX/XX/2023, I received a letter from Equifax asking me for identification, which they already have ( due to I send 2 forms of ID when I mail out my letters every time ). This shows additional proof that Equifax do not investigate ( if you don't have my identification, then how were you able to confirm that this account is verified/mine previously )? 

It's clear Equifax is choosing not to verify accounts on consumer credit reports, and don't care about breaking federal laws. Equifax continuously fails to verify disputed accounts, do not read letters or address the consumer concerns/disputes, and allow illegal changes to be made to consumers credit reports. They have dropped the ball several times, and have yet to show their capability of abiding to federal laws and/or handling responsibility of their position ( s ).

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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 paragraph ( 5 ), before the end of the 30-day period, beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S. Code 1681i ( 5 ) ( a ) - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681i ( 5 ) ( b ) - If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

15 U.S.C 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this account ( XXXX XXXX  ) be deleted immediately! Otherwise, I'll be forced to proceed with legal action in which Equifax will be held to a {$1000.00} ( USD ) per violation should this matter end up in court. Thank you!

Company response to consumer: Closed with non-monetary relief