Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a request for validation to XXXX XXXX on XXXX/XXXX/XXXX sent to the address on my credit report. The letter was returned as undeliverable on XXXX/XXXX/XXXX certified tracking # XXXX. 

On XXXX XXXX XXXX, I sent a letter to XXXX requesting that this inaccurate item be removed from my credit report as the company had violated my rights per the FCRA. The law requires a furnisher of data to provide an accurate address with which a consumer may contact the provider to dispute the validity of reported information. This company is using a bogus, invalid address making it impossible for a consumer to get a hold of. The FCRA states that the item must be re-investigated within 30 days or delete the inaccurate item before the end of the 30-day period. 

Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if thecompleteness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the filein accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Furthermore, on XXXX XXXX, XXXX I also disputed the item with Equifax via certified mail tracking # XXXX informing you of the invalid contact address that they are providing on my file and that I had requested validation from them. It does n't matter if you have your own way to contact them to verify, they can not get away with this and I will not allow your firm to be complicit without accepting liability for the damages to me and my family. 

As a final attempt to get in contact with XXXX, On XXXX XXXX, XXXX I sent a certified letter tracking # XXXX to their corporate " registered agent '' XXXX XXXX to which I 've yet to receive a response from. Clearly they have no regard for my consumer rights and fail to follow the FCRA/FDCPA. 

It 's nearly almost a year since I 've been requesting that this inaccurate item be deleted from my credit report. It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

The Bureaus still reports the same address XXXX XXXX XXXX XXXX, FL XXXX to contact them at per my Equifax current report. See attached copy of my current report. 

Attached is validation request sent to XXXX, Certified Letter sent to Equifax, Certified Letter sent to XXXX Corporate Resident Agent, and current copy of my report showing the same invalid address.

Company response to consumer: Closed with explanation