Consumer complaint received 2017-04-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
In early  XXXX    XXXX   I sent original dispute to equifax. I requested verification. I AM NOT REQUESTING A NEW INVESTIGATION! I received response on  XXXX   XXXX    XXXX   confirmation  XXXX  on it page  XXXX  it states We have researched the credit account.   XXXX   XXXX   XXXX   XXXX   which is   XXXX   XXXX   XXXX   This Item has been deleted from credit file . IT WASNT an d also on their confirmation it says reinvestigation in process. WHAT REINVESTIGATION? They just finished and was supposed to be deleted. Also another Item I had disputed  XXXX   XXXX   XXXX   XXXX  they never even did an investigation. So On  XXXX    XXXX  . I specifically requested   XXXX    XXXX   XXXX  lending be removed from credit report per what they said on their confirmation  XXXX  and that   XXXX   XXXX   also be removed because I requested Investigation and well over  XXXX  days and no response. They sent a letter saying I didnt provide Identification. So I sent new letter dated  XXXX / XXXX /  XXXX   stating to remove  XXXX   XXXX   XXXX   XXXX  per them saying it was deleted at at this time it was still on report but their website said investigation in process. If it was deleted and they havent received letter yet how can it be investigation in process first off it was supposed to be removed. I also again asked them to remove   XXXX     XXXX   XXXX   XXXX  as still no investigation results after  XXXX  days. So instead of removing equifax decides on their own that I was requesting investigation and they do again on   XXXX   XXXX   XXXX   but still do not respond to   XXXX   XXXX   XXXX   XXXX  .I get a confirmation  XXXX  from Equifax  XXXX   XXXX    XXXX   saying investigation I never requested is completeThey verified   XXXX   XXXX   XXXX    belongs to me and it still says reinvestigation in process on confirmation as well as on website dispute center. I asked to be removed as they stated  XXXX   XXXX    XXXX   that it was but it never was and a non stop reinvestigation has continually been going after they sent confirmations! Still nothing on  XXXX   XXXX   XXXX   XXXX . So I send another letter Dated  XXXX   XXXX    XXXX   asking them again to remove   XXXX   XXXX   XXXX   per original confirmation  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX  which is now over  XXXX  days and no response. Then I decide to call on  XXXX !  XXXX    XXXX    XXXX  times and   XXXX   different people.. I tell them you cant send a confirmation saying something is removed and not remove it so I was told it was removed per confirmation  XXXX  it wasnt and I was told they received no dispute for   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  . Well she lied   XXXX   XXXX   XXXX   wasnt removed and still states reinvestigation in process. I then called on  XXXX   XXXX    XXXX   and asked for a superviso r.   XXXX   I  explained again you cant say you removed account then not remove it and then reinvestigate when there wasnt one asked for all I asked for again and again was delete per confirmation the account has been closed for a year. All I got was I cant a reinvestigation is in process I stated what was being reinvestigated she said inaccurate information I said wha t Im  looking at all the letters I sent it asks for deletion based on equifax results dated  XXXX   XXXX    XXXX  . She then states again in accurate information that she didnt handle dispute the mail room did. So there was no request but to remove as originally stated what equifax did was NOT READ request and just list as a dispute INACCURATE information the Supervisor name was just   XXXX   XXXX   XXXX    XXXX  of coarse from  XXXX . Basically she stated nobody reads apparently either scanned or just item taken from letter and put on a form letter. Still no  XXXX   XXXX   XXXX  results. I want not only items removed for violating FCRA as item   XXXX   XXXX   XXXX   was stated as removed from credit report then never removed and  XXXX   XXXX   XXXX  was never even investigated going on  XXXX  days and I wish a fine be imposed on them {$1000.00} for each time I requested and they ignored. I DO NOT WISH TO DISPUTE AND HAVE ANOTHER NON INVESTIGATION DONE! Forward To FTC

Company response to consumer: Closed with non-monetary relief