Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: GA
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 is where I am today with  XXXX    XXXX   XXXX  , Equifax   XXXX   XXXX  ,  XXXX    XXXX   XXXX   very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I sent 609 letters to dispute felt a since of no worries but have sent two rounds of 609 letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  {$300.00},   XXXX   XXXX   XXXX  {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting  closed  Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and a s Charge Offs/  Bad Debt . All negatively reporting.     It was stated in their responses to my  2 di spute letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.     Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of  Federal Law.  The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a  Court  will order you to delete them.     You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of  1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation o f Federal Law an d evidence of your willful disregard of the law.     Please be advised that under Section  611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to me  ( Section 616 & 617 ) if you f ail to comply with  Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.

Company response to consumer: Closed with explanation