Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
CFPB  Complaint Equifax  process of investigation and results.  <P/> This is a follow-up complaint but not a duplicate complaint to CFPB  XXXX  submitted  X/XX/16 .   XXXX   XXXX   had updated account   XXXX   XXXX   XXXX   XXXX   as paid with the CRAs and I disputed through the CRAs. I also sent a direct dispute to   XXXX   XXXX   requesting date paid  ( see attached letter ).   XXXX  deleted this account and Equifax sent a credit file dated  XX/XX/XXXX  that showed   XXXX   XXXX   still reporting paid ( see attached Equifax  credit file  dated  XX/XX/XXXX  ) As a result on  XX/XX/XXXX  I filed a complaint against Equifax.   The following is Equifax response to that CFPB Complaint  XXXX  Please be advised   XXXX   XXXX   XXXX   Account number  XXXX  has been verified by creditor as reported with your Name, Social Security number. Date of birth and address. Please contact   XXXX   XXXX   XXXX   directly at  (   XXXX   )   XXXX  regarding additional concerns or questions.  <P/> I have tried contacting   XXXX   XXXX   XXXX   several times and they just keep responding with unsigned letters that Equifax won t accept. Letters from creditors have to be signed with a contact name, date and on bank letterhead, this is according to Equifax representatives.  <P/> I filed a CFPB complaint against   XXXX   XXXX   XXXX   and ask about account number  XXXX . My complaint was forwarding to the  OCC, who p rovided the following response to my question ;   XXXX   XXXX   reported that account number beginning in  XXXX  and ending in  XXXX  is not a   XXXX   XXXX   XXXX   account number . (  See OCC letter dated  XX/XX/XXXX   )  The  OCC  signs there letters with  Customer Assistance Group I n ot sure at this point if those letters have any authority over Equifax or if it would change the outcome of Equifax  investigation that r esulted in a verification that   XXXX   XXXX   is reporting under account number #  XXXX .  ( Ple ase see attached Equifax  Credit File da ted  XX/XX/XXXX  ) On  XX/XX/XXXX  at  XXXX  Mountain Time, a dispute was filed with Equifax, representative was  XXXX , the dispute request, delete the   XXXX   XXXX   XXXX   remarks Account Transferred or Sold ; I requested that Equifax send   XXXX   XXXX   there letter of response to my direct dispute over updating the account to paid and ask them to sign there letters, so Equifax can update the account correctly as sold and transferred to   XXXX   XXXX   XXXX  .  <P/> I have attached the following documentation : Equifax  Credit File   XX/XX/XXXX , Letter of direct dispute, dated  XX/XX/XXXX  sent to   XXXX   XXXX   over account being reported paid,   XXXX   XXXX   response to direct dispute, dated  XX/XX/XXXX  Copy of certified mail direct dispute sent to   XXXX   XXXX  , Copy of certified mail sent letters and proof of direct dispute to Equifax, Copy of letter from  OCC da ted  XX/XX/XXXX , Copy of CFPB complaint  XXXX , Copy of this CFPB complaint

Company response to consumer: Closed with explanation