Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: MO
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- XX/XX/XXXX XXXX. XXXX team XXXX I spoke with XXXX about my validation request, that was sent originally on XX/XX/XXXX. XXXX did not respond to my request. On XXXX/XXXX/XXXX I sent a demanding request certified letter to have the bankruptcy information removed from my credit report due to negligence on XXXX. The rep stated they have 30 days to reply to a bankruptcy validation request by law. I correct the rep by stating they have 15 days and I gave them an extension before I followed up. The rep stated they have not received anything from me since XXXX. Which was a lie I have been disputing info off my credit for 3 months via phone/mail, Ive received several correspondence from XXXX. I advised the rep I will move forward to the next step which is file a complaint with the FTC an file a lawsuit if this matter is not addressed properly. 

XXXX XXXX XX/XX/XXXX I called back and spoke to gabby from XXXX she stated they received a letter requesting the bankruptcy be in dispute on XX/XX/XXXX and they sent a letter out on XX/XX/XXXX said the letter stated the bankruptcy would remain on the report! I asked a XXXX did They responded as if I sent in a dispute and not a request for validation she stated yes! I also mentioned the pursuant to 15 usc 1692g sec 809b of the FDCPA and stated they are not following that statue XXXX replies they do not have to and hung up. 

XXXX XX/XX/XXXX XXXX I spoke with XXXX from Equifax she stated the letter I sent in had to much information on it. She asked what did I want shes not understand. I advised I wanted a letter of validation and the letter was very detailed and due to negligence on their end for not sending the requesting info. XXXX stated they just found the validation information, and this was a voluntary bankruptcy. XXXX states there is no way or reason she can send it by mail. It is just information they obtain from different places and we do not have a way of sending that to you in the mail. I advised I will go higher and file a complaint. 

XXXX- XX/XX/XXXX XXXX. XXXX is who I spoke to from XXXX she stated my credit report is handled by specialize fraud team and transferred me to that department at XXXX XX/XX/XXXX XXXX stated she received my letter validation request and XXXX   XXXX the results and the bankruptcy will remain. They disputed this information XX/XX/XXXX. And againXXXX XXXX. They have verified the information given. The third party outside the court house verified the information. You cant send a request of validation without a dispute it first. XXXX advises they handled this as a dispute. In my original letter I advised each credit bureaus THIS IS A LETTER OF VALIDATION ONLY! Each credit bureau ignored my request and decided to dispute this information without my consent and request. Each bureau ignore my request of validation. I am requesting this information be removed due to the bureaus negligence.

Company response to consumer: Closed with explanation