Consumer complaint received 2019-09-13
Company: EQUIFAX, INC.
State: TX
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:
Dear Equifax, first of all I would like to admire your company for the outstanding Job you did. Now I am going to report the problem. One of the main problem is that you all need to get more accurate in reporting job for people and provide precise and correct information to the people. Today I applauded you all for doing an outstanding job by removing XXXX XXXX Loan Account. But think about it, how long did it take for you to do that? 
FCRA gives 14 days for that. 
Anyways, the other problem is reporting accurately. Your company is not producing my credit score for a long time. Today you all told me about account and other staffs and also gave information that I could have been reported dead. 
These are speculative comments and not information. FCRA defined the procedure as per how to handle death report and verification for the dead reports. 
If I have been reported dead, then what should have been your obligation, you already know. You have been reporting transaction by XXXX for a dead person for a while? 
Did you have a notice of death report that freezes my credit account? 
You are the CRA, and you are telling me you are unsure if I have been reported dead? 
I don't know according to your report, how long I have been dead. But this kind of act does not suit for you as a CRA. This is 360 Degree violation under FCRA. 
Its only 2 years ago, you were sued for data breach. Come on, be careful, you know. 
We already have sickening financial crime out there, you all don't have to aid them! 
Just think about the day before my fraudulent foreclosure date, what you and your two buddies did? 
XXXX as of today has never been able to prove the legality of their mortgage loan under my identity information, then they were opening and closing my loan account three four different times. Remember, what you all three did? 
Upon clear violation of FCRA, you three allowed them to do that crazy staff. They had incentive to financial gain, because they are in Court of Law with me for that loan, but what was wrong with you three? 
Why were you all three dancing on the tune of XXXX? You have higher obligation under FCRA than XXXX to maintain the reporting standard. But what did you do, you three allowed XXXX with the game for sometime. 
This is how you three violated FCRA, by allowing them to report garbage, baseless information, where all of you three clearly new that XXXX as of today as of today has not been able to furnish a legal proof confirming their fraudulent loan. 
Now you three tell me what would a reasonable person think here? Bribery or Conspiracy, in violation of Consumer Right and FCRA? 
These could be another example of an individual lawsuit against all three of you under Federal Crime of Bribery, Money Laundering to legalize black money by assisting a fraudulent mortgage foreclosure in violation of FCRA and obviously another big one under Texas Fair Debt Collection Act. 
So lets not do these things you know. It is not that hard to train your agents about these few rules under FCRA you are expected to do! 
Anyways, I would expect that you find out if I have been reported dead and then who reported all these fun staffs. If I am not dead, then please investigate to find out how I died in your report and also home many more died like me in your reports. 
Hope to hear from you soon that you all are doing nice job. And under no circumstance, stay away from selling data, killing someone in reports by report of some greedy FHA lender or taking bribe to assist someone to be successful to seek money under fraudulent debt. 
Hope to hear from you soon.

Company response to consumer: Closed with explanation