Consumer complaint received 2016-04-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been writing the Credit Bureaus and attempting to explain to them that the information on my Credit Report is inaccurate but yet the refuse to correct it. Over the last 2-years not only has the Creditors have became a Nightmare but the Credit Reporting Agencies Especially Equifax. Equifax prompts consumers to go online and do a dispute online, and even upload documents to prove the validity of the disputes. I have came to realize that Equifax online dispute process is a mere form of trickery, even after you upload documents to prove that the alleged accounts are inaccurate, Equifax refuses to remove the inaccuracies and prompts you to mail in the same documents to do a re-investigation ( which at this time may have taken up to 90 days ) to remove an error that was at fault by Equifax not doing their job as to report correct and accurate information. I have also learn that doing the online disputes not online takes more time and causes more financial burden to the consumers. Doing the online disputes with Equifax also protects them from any fault of the extremely poor investigation/ re-investigation process due to of their Aberration Clause. Below are some of the items that I have disputed several times with Equifax , and still these items show on my Credit Report from Equifax. Please see also were Equifax repeatedly hit my credit score with the inaccurate report from XXXX ( XXXX ) within the last 3 days I have loss points towards my overall credit score because of Equifax please see the attached documents. The most amazing part of this is that I called and attempted to talk to someone at XXXX about this account and I was automatically transferred to XXXX XXXX XXXX Department for XXXX. I called approximately 13 more times, only to find out that my inactive XXXX XXXX credit card was converted, sold or transferred to XXXX, without my knowledge. 
I have disputed this account information as inaccurate with Equifax , XXXX and XXXX have came back to me and stated they were able to verify these inaccurate accounts. How is this possible? Under the laws of the FDCPA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my a valid debt, they could not even locate the last statement from XXXX and still have not sent any validation that I owe anything. How is possible that Equifax can state that this account is accurate when the creditor themselves can not? Even though the Fair Credit Reporting Act allows a " disputed '' notation to appear on my credit reports, there is no reason to accept that notation if the creditor can not prove I owe the debt without proper validation documents. The XXXX ( XXXX ) account was converted to XXXX and I did not receive any notification nor was I given anything to opt out, I never received any statements from XXXX. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Equifax to remove this item before I am forced to take legal action. 
XXXX ( XXXX ) : Account Number : XXXX ... ..Failure to Validate Debt with ( XXXX ) please see Debt Validation Letter/ Certified Receipt and Certified confirmation that XXXX received the Debt Validation Letter. 
XXXX .... Account Number : XXXX ... ... Never Paid Late/Please see XXXX 2016 Statement XXXX XXXX .... Account Number : XXXX ... ... Update to show paid as agreed/closed/ Please see Letters from XXXX showing account paid and letter agreed to show " paid as agreed '' XXXX XXXX ... Account Number : XXXX ... ... Not My Account/Removal Letter attached from XXXX Directly Former Address Removal : ... ... ... Never Lived at that addres

Company response to consumer: Closed with explanation