Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: TN
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:
I am filing a formal complaint against Equifax. I have been engaging in written disputes with Equifax going on near a year without resolution. I am forced to approach the reporting inaccuracies via another route. I have documentation regarding this my interactions, as well as certified mail receipts. Equifax is the only reporting agency to continue with the in accuracies. XXXX different occasions responses from Equifax states they have received their information from XXXX. The most recent one states they did their investigation based off of XXXX which will be uploaded in supporting documents. Unfortunately, all the evidence I have from my interaction with Equifax is well over a XXXX pages, so if need be I can gather is together. Your online service only allows up to XXXX pages. I will be including the specifics of each item, and have previously asked for original documentation. According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). If I request copy of ANY original documentation ( a consumer contract with my signature on it ) any reporting agency should be able to provide this information. If they are reporting it they must have access to those original documents. They have fail to provide me with the requesting information. They also have violated my rights to have an independent and fair investigation regarding disputed items. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
In addition, Equifax is reporting addresses XXXX years in the past. XXXX reporting time for most is XXXX years. They are incorrectly reporting my employer, those are also XXXX years in the past. Why? Because XXXX has that same information. I have put in a written request with XXXX regarding this information. You can not parrot another site and expect to get accurate information. If they reporting they must provide me the documentation, and not send me elsewhere. You will see with the evidence I have uploaded which item I have requested an investigation. However, to make it easy the following XXXX collections are : XXXX COLLECT PURCHASED FROM XXXX XXXX ORIGINAL DOCUMENTATION WAS REQUEST. 
XXXX COLLECT IS IN THE STATE OF OHIO, THEY ARE NOT REGISTERED TO COLLECT IN THE STATE OF XXXX IN WHICH I RESIDE. 
CHOICE RECOVERY ALSO IN THE STATE OF OHIO THEY ARE NOT REGISTERED TO COLLECT IN THE STATE OF XXXX IN WHICH I RESIDE. ALSO REQUESTED ORIGINAL DOCUMENTATION. This is a medical bill for {$20.00} as of XXXX anything under {$500.00} in medical bills in to be removed from all credit bureaus. 
XXXX XXXX adjusters-there supposed to remove this XXXX ago, they also have no right to report or collect in the state of Tennessee. ORIGINAL DOCUMENTATION WAS REQUEST. If an independent, individual investigation had been completed they would have found these inaccuracies Investigate with returning original documentation for all the following XXXX XXXX accounts with separate amounts due ( you will see in evidence they went from XXXX XXXX XXXX still carrying the phone number and address of XXXX which was caught practicing deception with their borrows. 
XXXX XXXX XXXX XXXX XXXX student Loan XXXX INQUIRES- My file is locked on all reporting agencys due to ID theft how can we have inquiries? 
A+ XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation