Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: NJ
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:
THIS WILL SERVE AS NOTICE THAT I AM COMMENCING LEGAL ACTION AND WILL BE SERVING YOUR REGISTERED AGENT. FOR YOUR REPEATED FAILURE AND FALSE REPORTING INTO PUBLIC RECORDS. SINCE YOU ARE NOT DISPUTING DIRECTLY WITH THE COURTS THAN YOU ARE NOT DISPUTING WITH THE FURNISHER OF INFORMATION. YOUR RESPONSE TO COMPLAINT # XXXX IS FALSE AND A PACK OF LIES AND YOUR ARE NOT INVESTIGATING WITH THE ORIGINAL FURNISHER OF PUBLIC RECORD INFORMATION. I HAVE SUBMITTED PROOF OF THAT AND YOUR CONTINUE TO WILLFULLY AND NEGLIGENTLY PURPOSEFULLY CAUSING INTENTIONAL HARM. FOR THE LAST TIME MY COMPLAINT READS AS FOLLOWS : On XX/XX/2020 I submitted a disputed for public record information being reported on my credit report by EQUIFAX. They claim the information was reported and verified as accurate by a Court listed on my report that doesn't even exist. Then they list another furnisher as the source of the information, and they they proceeded to give me a name of a third party vendor XXXX XXXX, but on my credit report it lists a Court name that doesn't actually exist along with a address that does exist.. I proceed to go to the go to the address to see whom should I address my concerns with about the recent Equifax investigation. I was told to contact the court administrator by mail and address my inquiry. The Court that did reside at the address response to me was that they did no investigation for Equifax and they do not work with or furnish any information to any of the Credit Bureaus. Nor do they furnish information to 3rd parties. Then I reach out to a 3rd party vendor XXXX and they inform me that they do not supply information to the credit bureaus because they have no first hand knowledge and do not work for the Credit Bureau. XXXX informs me that I still have a freeze on my consumer report and that it has not been access or requested in years let alone for any investigation. With this fact alone I submitted a dispute of the public records and supplied them with documents from the 2 vendors they listed as the source of there false reporting.So apparently no investigation was ever done if the furnisher of the source of the information states that that they do not furnish information or help Credit Bureau with investigations. So if the supposedly original source did not investigate then there is no way Equifax investigated with the original furnisher of the information as they are suppose to according to the procedures outlined in the FCRA.. There are multiply FCRA violations going on here. 1. They did not and could not have investigated disputes with the furnisher they reported to have investigated with, I have proof of that. 2. They are listing incorrect and a false information as well as a false furnisher of the information in public record section of my credit report. 3. EQUIFAX, did not provide me with the Method of Verification which included original documentation proving their investigation and result.that I requested. 4. They did not do a proper investigation according to FCRA So I would say any entity reporting on my credit report needs my consent and I consented to no XXXX XXXX or to no Court of Law listed falsely on my credit report. So neither one has any permissable purposes to put anything on my Credit Report The FCRA is very clear on dispute have to be handle with the furnisher of the information that it originated from and the Credit Bureau must accurately list that furnisher of information on the credit report. The 2 entities that they did list don't have the the legal right to furnish or verify any information or do any investigation. Both entitis has said as much to me per the documents I am submitted.with this complaint as I have submitted previously to Equifax witch they ignored and failed to investigate with the original furnisher and continue to list and report inaccurate information contradictory to the FCRA

Company response to consumer: Closed with explanation