Consumer complaint received 2015-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing my credit report with Equifax for several years to no avail. I filed a complaint with the XXXX of XXXX ( complaint # XXXX ). Concerning my XXXX complaint, Equifax 's never answered my complaint as to why their company failed to investigate my dispute within the FCRA set 30 day time period. 

XX/XX/XXXX, I sent A Demand for Arbitration letter to Equifax Legal. I frustrated and upset that I was given a reply by Equifax that my identification information did not match their records. Although I have identifying information on file with Equifax, there was no requirement ( legal or otherwise ) to send identification information with the Demand letter. This request for identification letter by Equifax represent a illegal delay tactic by their company in order for them to not follow the law as prescribed by Texas and Federal law. 

Equifax has a history of illegally keeping false and derogatory information on my credit report in violation of the FCRA and Texas Business and Commerce Code, Title 2, Chapter 20. I had disputed in detail false and derogatory information on my credit report. Each time, Equifax very quickly sent the investigation results back to me. I requested a through, complete investigation via letter in accordance with the FCRA.On XX/XX/XXXX, I sent out a reinvestigation dispute for the removal of this to Equifax via certified certificate of mailing, next day, with order tracking. Equifax received my dispute, which is confirmed on XX/XX/XXXX 

On XXXX I received via email that my dispute was received and assigned confirmation number XXXX. I had received " still processing dispute '' notifications concerning confirmation number XXXX from Equifax XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.On XX/XX/XXXX I received an email from Equifax stating they had completed the credit investigation. Violating the 30 day investigation requirement of the FCRA.I went to Equifax online dispute system to see that the same false and derogatory information still on my Equifax credit report. 

To summarize my complaint : Equifax did not conduct a thorough investigation of my disputes and of FCRA 623 ( a ) ( 8 ) ( D ) letter claims which indicates that once I send a letter to the original creditor concerning a credit file incorrectly placed on my credit report, and do not receive a response, I can go back to the credit reporting agency in order to demand removal on said file in it 's entirely from my credit report. 

Equifax failed to comply with the investigation and reinvestigation requirements in 15 U.S. Code 1681i. Equifax willfully failed to comply with the requirements imposed under the FCRA, 15 USC 1681g. 

Equifax provided my credit file to companies without determining that these companies had a permissible purpose to obtain my credit file pursuant to 15 USC 1681b. Due to Equifax false and derogatory information on my credit report, as well as incomplete investigation of my dispute claims, I have been denied credit, opportunity to receive credit, and damage to my reputation.

Company response to consumer: Closed with explanation