Consumer complaint received 2016-04-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Confirmation # XXXX dated XXXX XXXX 2016 was a failed reply to a reinvestigation of a complaint filed with CFPB. In fact, Equifax had no company name on the envelope nor on the paper inside it sufficient to chose an appropriate menu option from the CFPB complaint options. I hope I picked the correct one, since Equifax lacked that specific detail. Equifax made the very same error that that stated in this mailing : " The Results Of Our Reinvestigation XXXX We have reviewed your concerns and our conclusions are : Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. '' They listed no specific account, number or nature of the disputes for which they reinvestigated!!! Let us begin with the last item first. The last item - dispute issue- is given to all complaints I have filed as follows : it is wrong. Fix it. Now. Instead of Equifax confirming each and every account listed on my credit report is accurate and all addresses etc. are accurate as a whole - which they are not - Equifax pretends to have reinvestigated what, specifically? Before, I get to the first XXXX items listed in their generic mailing, I want to share herein that I have filed a detailed written dispute for each account on their printed form and mailed it to them in addition to CFPB complaints. This means that all the details they claim are absent are in fact present on the form I mailed to them. Also, many CFPB complaints address specific accounts or address issues. In each CFPB complaint it asks what the issue is ; and I answered each by choosing from the menu options CFPB provides. In a " reinvestigation '' clearly there is a conclusion from the previous " investigation '' that gave those needed details at the onset. How am I, reading this response by mail, supposed to know which Equifax " reinvestigation '' we are referring to? All of the things I have addressed were : 1. on my credit report with enough detail to identify the issue easily. For instance, only XXXX credit card was listed. It should not be there. But that is only half of the investigation. I wanted answers as to how it was still being reported. Other than that, student loans and a utility bill are all that are reported. 2. Addresses other than the one they mailed this mailing to are all wrong. How did the wrong ones get there? Remove them all. 3. The account numbers are blocked or changed so that a complete number is not available in a dispute. 4. The name of the creditor is an acronym. It is not clear who the furnisher of the erroneous infornation is. While Equifax provided no reinvestigation, in fact, this should get the attention of CFPB. If Equifax desired details, I will file a new and separate complaint to CFPB and Equifax to start all over again. This time, after months of wasted time, I will demonstrate that Equifax has violated the law by refusing to properly investigate any and all data on my credit report and verifying each and all otems listed as correct and verified. So an immediate statement that all items have been reviewed and verified is due today by Equifax. I am really dissapointed that a circular conversation has begun that drags on and on with no specific result by Equifax.

Company response to consumer: Closed with explanation