Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted Equifax and XXXX numerous times by phone and mail to get this negative account on my credit report removed. The account is with XXXX XXXX. This account was originally opened up by XXXX XXXX XXXX XXXX on XX/XX/XXXX. This account was reporting late payments on XX/XX/XXXX when it was transferred to XXXX XXXX XXXX and it was never brought back current, and then they transferred the account to XXXX Mortgage on XX/XX/XXXX. Going off of my research and what numerous numbers of their employees have told me since the account was never brought back current from the first time XX/XX/XXXX then it would be removed from my credit report 7 yrs later from that time. It is beyond 7yrs and this account needs to be DELETED. I have contacted these agencies numerous times and every time they come back with the account being verified. I have contacted XXXX XXXX XXXX and XXXX XXXX numerous times, and they have consistently told me that they DO N'T HAVE THE RECORDS FROM THE XX/XX/XXXX-XX/XX/XXXX PAY HISTORY. Because they do n't have records or pay history for this account from that point and time then HOW can they prove the ACCURACY of the account? That alone shows that the account is unverifiable. I have also given them proof that what I 'm saying is correct by supplying documents that back up everything I said. I also requested the Method Of Verification that they used to conduct this investigation, that by law I am entitled to ask for and they must supply it. They have continuously failed to give me what I asked them for. " The FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. 

I have disputed this account via phone, fax and mail, and every time I have talked to someone over the phone about this account the employees have all agreed with me that giving the circumstances the account should n't be reporting on my account but there is nothing they can do but try and dispute the account again. That is not true, According to the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 2 ) Action required upon receiving notice of a dispute. If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge - ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller ; and ( B ) ( i ) if the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it. 

Both of these companies continue to not perform the duties that is required of them by law by performing a Reasonable Investigation. An operator for both companies have told me that the job of the credit bureaus is to report what the creditors tell them and if the creditors lie, or do n't perform the duties that they 're supposed to that there 's nothing that the credit bureaus can do. That is a complete lie!!!! It is their job to make sure that information is reporting 100 % accurately on a persons credit report. The only way that this can happen is if they perform a real investigation which they clearly are not doing. Because of that they are continuously violating my rights. 

Please help me with this situation as I do n't know what else to do

Company response to consumer: Closed with explanation