Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: NC
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:
Good afternoon my name is XXXX XXXX XXXX I am reaching out to the CFPB because as a consumer I take my credit profile seriously and I expect consumer reporting agencies to follow the law of accuracy and integrity of the information provided to the consumer reporting agency, and they must conduct a reasonable and timely investigation of consumer disputes to verify the accuracy of such information. Under the FCRA, persons who use reports in connection with a transaction not initiated by the consumer must provide the consumer with certain information, including a statement that information from the consumers credit report was used in connection with the transaction, and that the consumer received the offer of credit or insurance because he or she satisfied the institutions specified criteria for creditworthiness or insurability. Which I never received. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. In todays age anyone can use vital information to pursue credit in your name and as I have noticed improper things on my consumer report I have took measures to ensure this from happening in the future. I sent a letter to transunion and to Equifax and XXXX concerning some alarming things such as unauthorized inquires on my consumer report. I sent them a letter letting them know to properly investigate these items and that I had already spoke to the original furnisher for those items. I then received a letter from XXXX and Equifax telling me that what Im disputing is in fact factual and can not be disputed but according to the FCRA ANYTHING CAN BE DISPUTED and must be properly and thoroughly investigated. Also XXXX sent a letter to me Assuming that I am not the one disputing these items even though I sent certified and notarized letters and a copy of my id and a copy of my utility bill to them providing proof of address to them certified. Assuming that as a consumer that I dont know my rights when the FCRA handbook is free information is negligent. Not only did they send a letter refusing to investigate the items I disputed, they in turn gave me no proper guidance on how to dispute but suggested I use a letter own their website which doesnt properly hold them accountable. As a consumer I have the right to dispute things when they are inaccurate on my consumer report. The fact that Im not taken seriously and assumed to not know my right as a consumer and by the consumer reporting agencies that I am disputing the items with. I believe that to be unfair or unconscionable on Transunions part to assume or deny a proper investigation because they THINK I dont know my rights as a consumer. Absolutely nothing in my letter could reasonably gave rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. I would like these items deleted immediately.

Company response to consumer: Closed with explanation