Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I may sue a credit reporting agency for negligent ( 15 U.S.C. 1681o ) or willful ( 15 U.S.C. 1681n ) noncompliance with the law within two years after I discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. I plan to fully prosecute to the fullest extent of the law as my rights have been perpetually violated. **What part about i requested the method of verification per FCRA 611 ( a ) ( 6 ) ( B ( iii ) did your E-OSCAR system NOT comprehend? Or was it your employee who did not fully complete their job? Certified letters were mailed XX/XX/XXXX ( Tracking number XXXX ) and was Delivered XX/XX/XXXX at XXXX XXXX in XXXX, GA XXXX ; ( Tracking number XXXX ) was delivered Delivered, Left with Individual XX/XX/XXXX at XXXX XXXX XXXX, TX XXXX. XXXX was disputed XX/XX/XXXX via certified mail and again XX/XX/XXXX Via CFPB. 

On these letters I SPECIFICALLY requested your method of investigation in compliance with *FCRA 611 ( a ) ( 6 ) ( B ( iii ) * to please provide the following used to verify Bank of America : 1. Name, address, and telephone number of each person contacted regarding this alleged account.

2. The name of the person at the credit reporting agency ( your employee ) who verified the dispute with the original creditor 3. The documentation that was used to verify the dispute 4. The description of the procedure used to determine the accuracy and completeness of the information. 
5. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed I received ALL replies NOT only after the 15 required by law but also INCOMPLETE as XXXX! I did not ask you to verify the account fools, I asked you HOW DID YOU VERIFY the information from my previous dispute? 
to remind you XXXX XXXX XXXX is reporting multiple violations ; 1. ( Equifax ) The credit limit is missing. Violation of the FCRA.

2. 3 different dates last active ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
3. Inaccurate date of last payment reporting-XXXX and XXXX report XX/XX/XXXX & Equifax XX/XX/XXXX 4. They are reporting different payment history activity 5. Furthermore, there should be no payment activity being reported after the account is closed, this is in violation of the FDCPA. 
Equifax updated the credit limited XX/XX/XXXX. *Again* WHO DID YOU SPEAK WITH AT XXXX XXXX XXXX EQUIFAX TO VERIFY MY CREDIT LIMIT? EQUIFAX, XXXX AND XXXX  WHY DOES THE DATE LAST ACTIVE REMAIN UNCHAGED FROM XXXX AND XXXX IF YOU *ALL* HAVE BEEN INVESTIGATING MY DISPUTES SINCE XXXX!?!? You have lied and stated you did an investigation which you did not. The CDV does not match what the furnisher says and what you have on file. The address and DOB are wrong.

I HAVE proof you ALL HAVE willfully violated your obligations under 1681s-2 ( b ) that states duties arise only after a furnisher receives notice of dispute from a CRA. Because none of you notified XXXX  XXXX XXXX, they have not investigated my dispute. The consumer must dispute to a CRA, which, in turn, forwards the dispute to the furnisher. This indirect filtering mechanism must be followed by a consumer to give rise to a duty of investigation under the FCRA to the furnisher. 
*YOU all know this and have chosen to disregard the law which governs you*

Company response to consumer: Closed with explanation