Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: TX
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:
hello I am writing a complaint on company equifax for failure to investigate items that I have brought to their attention on 2 different occasions. I have given them more than the respectful 30 days to complete their investigation and I have yet to hear from equifax regarding my letter. according to the fcra, I've learned that congress allows the consumer reporting agencies 30 business days to complete a re investigation regarding items that the consumer has reason to believe to be reporting inaccurately. that is exactly what I have done. 

XX/XX/XXXX I wrote equifax a letter asking for them to please verify all reported information was being reported accurately. 

XX/XX/XXXX I wrote equifax a letter putting them on notice that they failed to complete my request in a timely manner. 

it is now XX/XX/XXXX and I have yet to hear ANYTHING regarding my letters. either Equifax is ignoring my request or equifax doesn't care to comply under federal law. why dont they respond or investigate my letters. maybe this complaint will get them to comply. 

XXXX  and XXXX have already deleted these accounts based on factual errors and because these collection agencies could not properly provide verifiable proof under my name on these alleged debts. why hasn't equifax received the carbon copies that must be sent out for all consumer reporting agencies regarding these deletions? 

today I decided to pull a updated report from my phone because equifax seems to have shut down their myequifax website and is not allowing me to log in via computer. I've called there phone number that they provided for me to call and the representivte couldn't even validate why equifax is doing such cryptic tactics to consumers. they simply state there website is down right now. well I wonder why? I feel as tho equifax is trying their hardest to make it harder for a consumer to obtain their personal information even tho equifax is just a non affiliated third party that I gave no written permission to report my personal and confidential information to. equifax needs to be held accountable for their cryptic tactics against consumers. if they want to report on consumers private disclosures then they must follow federal law and comply and stop making it harder for the average consumer to monitor their credit. 

I sent my last letter XX/XX/XXXX. 

XXXX reported XX/XX/XXXX XXXX XXXX XXXX reported XX/XX/XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX all these furnisher reported updated information AFTER my challenge letter. why have I not gotten any results or correspondence regarding my letters? these are unfair procedures/practices and are not fcra compliant. 

XXXX XXXX XXXX XXXX sent a ( return to sender ) of the letter I wrote to them regarding the alleged debt. meaning the address that is listed on my consumer report is in fact inaccurate because the address was not mailable. 
XXXX XXXX XXXX failed to properly validate verifiable proof that the alleged debt is under my name. 
XXXX is in fact reporting inconsistent information making this account to be reporting inaccurate after they have recently reported. This is why this account is reporting ILLEGAL activity. XXXX reports the month and year this item will be removed is XXXX On Record Until reports XX/XX/XXXX and Equifax is reporting the date of last activity XX/XX/XXXX putting the estimated removal date to be XX/XX/XXXX. how is possible for this furnisher to recently report inaccurate information? it is against federal law for any furnisher to change the running of reporting time because it manipulates when a account is legally able to fall off. One account from One furnisher CAN NOT report 3 different running of reporting time frames.

I put equifax on 2 different notices, I waited for them to respectfully complete their investigation. Now I demand a deletion for all the accounts listed in my letters that I have provided to you.

Company response to consumer: Closed with explanation