Consumer complaint received 2019-11-03
Company: EQUIFAX, INC.
State: ID
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: Their investigation did not fix an error on your report

Complaint:
Starting XX/XX/2019 I had filed a dispute with EQUIFAX of an account opened as a result of identity theft. I submitted documents of my filed FTC Report REF XXXX that shows the account XXXX XXXX XXXX XXXX was reporting on my credit file, I disputed it was opened fraudulantly along with attaching a letter that states in 605B of the FCRA that this information be blocked from the file within 4 days of receipt of the letter. It is now XX/XX/2019 and this fraudulant information still remains on my report. 

I have called countless times to equifax to ask why this information hasn't been removed and each time has been met with nothing but disappointment due to CLEAR NEGLIGENCE. 

I had submitted disputes simultaneously across all 3 credit bureaus. XXXX, XXXX  and Equifax. 

XXXX  removed the account in question within less than 24hrs over the phone. 

XXXX  removed the account in question within 4 days of filing the dispute over the phone. 

Equifax .... have failed to remove the account entirely. Despite my cooperation. 

The first time I filed it on XX/XX/2019 REF : XXXX my FTC report was not attached and the creditor verified it as accurate. Because no evidence was uploaded. 

Upon conclusion of the investigation. Reason as to why the FTC was not attached was because the FTC on file had expired and I had no ID on file, was asked to send in the FTC report again and identifying documents of a drivers license ONLY. To which I faxed these in a timely manner on XX/XX/2019. These would be uploaded to the file within 7-10 days. 

The second time I filed it on XX/XX/2019 REF XXXX as of XX/XX/XXXX I had called in to see how my dispute was going and whether my documents had been received. Was informed they had. Left it alone. 

XX/XX/XXXX came and the investigation had been concluded found the account was still reporting on the credit file and had recently been updated, called in to find out that my faxed my FTC report, letter and drivers license was AGAIN not attached to the dispute due to apparent drivers license being unreadable. 

I transferred to a supervisor to find this was a LIE and that it was readable but I needed a second form of ID. To which I WAS NOT INFORMED OF. So now I had to fax a second form of ID which I did the same day. Wait an dditional 7 days for this to be uploaded. Specifically asked for results to be MAILED not emailed. Was told they would comply. 

So third time disputing this XX/XX/XXXX REF : XXXX called in to reiterate all documents to be attached, was confirmed on XX/XX/XXXX. Called multiple times between XX/XX/XXXX and XX/XX/XXXX to be told the investigation is still ongoing. No update. 

Then XX/XX/2019 the investigation concluded. Fraudulant Account still reporting. Called in to find that the creditor verified it accurate. No reason given. No evidence provided. 

I am infuriated! the letter I wrote dictates and I quote " Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act ''. 

They have failed to do this. 3 times. Which is downright negligent. So I am now making a complaint towards equifax for their negligence after over 2 months of fighting equifax for the removal of this fraudulant account and am now asking the CFPB to help me with this.

Company response to consumer: Closed with non-monetary relief