Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 I sent Equifax credit an Affidavit of Truth stating 1. On XXXX XXXX I sent a certified mail letter to you Equifax stating I noticed some inaccurate information reporting for the following accounts XXXX XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) account number XXXX-XXXXXXXXXXXXXX. I asked you Equifax to please investigate this matter, and get back with me when you were finished. 
2. I did not receive a reply back. So on XX/XX/2021 I sent another certified mail letter to you Equifax. The letter stated It had been 30 days and I hadnt received any reply from you all. I stated for XXXX XXXX XXXX XXXX account number XXXX the Date of Last Activity was not the same on XXXX and wasnt reporting at all on XXXX. I asked you Equifax to Delete this account for inaccuracy and violation for not responding back within 30 days. 
3. For account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) account number XXXX-XXXXXXXXXXXXXX, ( which didn't show an actual account number ). I stated that you Equifax had 30 days to note to my credit report that I was disputing this account. As of XXXX XXXX It wasnt showing in the comments section saying Disputed by Consumer. I asked you Equifax to Delete this account for violation and also for not responding back within 30 days. 
4. The reply to my XXXX XXXX certified mail letter was received in the mail XX/XX/2021 ( The letter inside the envelope itself was dated XX/XX/2021 ). That is over 53 days which is a violation. And your reply to both accounts was that the items were verified and has been reported correctly, which is not true. 
5. Again you Equifax did not reply back to me within 30 days and I hadnt received any reply from you all until 53 days later for XXXX XXXX XXXX XXXX account number XXXX, and the Date of Last Activity was/is not the same on XXXX and isnt reporting at all on XXXX. This account must be Deleted for inaccuracy and violation for not responding back within 30 days. 
6. For account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) account number XXXX-XXXXXXXXXXXXXX ( which didn't show an actual account number as well ), you Equifax had 30 days to note to my credit report that I was disputing this account. As of XX/XX/2021 it wasnt showing in the comments section saying Disputed by Consumer. This account must be Deleted for violation and not responding back within 30 days. 

The response back from Equifax on XXXX was that XXXX XXXX XXXX that Account Number XXXX and XXXX XXXX XXXX that Account Number XXXX was verified as Belonging to me. My dispute was not that these accounts were not mine. As you can see above they addressed the wrong accounts and reasons.. And XXXX XXXX XXXX  was never disputed. Equifax is Willfully and wrecklessly reporting inaccurate information after being notified of the violations, reporting errors and failing to investigate or correct the error.

Company response to consumer: Closed with explanation