Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Intially on XXXX, I disputed information on my credit report by writing to bureau of Equifax and received no communication whatsoever from Equifax ( in which exceeded 30 days ) a result of their investigation. So on XXXX/XXXX/XXXX I contacted Equifax in regards to information on my report following the breach that was incorrect, suspicious and also to dispute. After being told by two different reps I needed to do online that they were not disputing items over the phone. I tried a third time to Equifax and was able to do so. My issues is on XXXX/XXXX/XXXX I disputed names, inquiries and accounts on my credit report, however their investigation was resolved on confirmation # XXXX ( name removal ) on XXXX/XXXX/XXXX confirmation # XXXX ( inquiries ) on XXXX/XXXX/XXXX and confirmation # XXXX ( collection accounts ) on XXXX/XXXX/XXXX. When I received information that their ( Equifax ) investigations were complete via email.I called in to discuss results. The rep told me that all information was factual on my report, however when further questioning, how did they ( Equifax ) verify information and what method of verification was used, the rep could not answer my question. I was advised that I should place a fraud alert on my credit report and that I should re-dispute information. So I did on XXXX/XXXX/XXXX however, I have continued to receive inquiries after the fraud alert has been placed on XXXX/XXXX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX showed up as hard inquiries after the fraud alert was placed and Equifax states they are factual inquiries despite the fraud alert and my denial of being responsible for those inquiries. 
I recieved document ( credit report ) in mail from equifax confirmation # XXXX with there results of completion dated XXXX/XXXX/XXXX which was on 2 days after intial disputes were created. 
For the inquiries dating back all the way to XXXX I disputed all inquiries with no avail, they still remain on credit report. They ( equifax completed investigation on the same day in which dispute was created ). There is no way that my file was investigated properly at all. 
for collection accounts again dispute created on XXXX/XXXX/XXXX and completed by XXXX/XXXX/XXXX on the accounts of : XXXX XXXX collections amount XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX in the amount of XXXX then theres a company of XXXX with two account numbers ( 1 ) XXXX ( 2 ) XXXX that states they were verified but has no account information on my report as to who or what amount is owed, which was initially disputed because I have never had accounts with a company by that name. 

I would like the above issues investigated, Equifax is not verifying information, nor providing the methods of verification to me as a consumer, in which under the FRCA i am entitled to all information including documents or contracts Equifax has on file, and they have not provided as of date. However, my investigation has been completed, they have not produced the information i have requested from Equifax in writing and also by phone.

Company response to consumer: Closed with non-monetary relief