Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I've been challenging this account with equifax for about a year now based on inaccurate reporting. there improper procedures are causing serious damages and now actual damages pertaining to new credit line opportunities. 

XX/XX/XXXX equifax reached out saying they received my dispute regarding account XXXX XXXX and information regarding my dispute will be sent out In 30 days. 

XX/XX/XXXX is the day listed on my credit report of completion of equifax investigation with a last reported by the furnisher dated 2/11/2022 with NO NOTICE OF DISPUTE I may add violating 15 u s c 1681s-2 ( a ) ( 3 ) March 11 2022 I sent equifax a letter exercising my right to request their procedures under 15 U.S.C 1681i ( a ) ( 6 ) ( B ) ( iii ) March 16 2022 equifax received my letter XX/XX/XXXX I pulled a updated report from annualcreditreport.com and noticed however the furnisher XXXX XXXX had recently reported to equifax XX/XX/XXXX. I did NOT receive my written results not later than 15 days after my request under 15 U.S.C 1681i ( a ) ( 7 ) .There was NO NOTICE OF DISPUTE AGAIN, I did NOT receive correspondence from XXXX XXXX XXXX me that they have disputed the accuracy of reporting with the credit reporting agencies AND XXXX XXXX is continuing to report INACCURATE information on my updated consumer report AFTER they have recently reported XX/XX/XXXX. This account status reports over 120 days past due with a {$0.00} balance. there is no where notated if this account was charged off, sold, transferred, paid, foreclosed, NOTHING! the last payment reports XX/XX/XXXX but the payment history reports 60 days late that day. the closed date and date of first deliquency is incomplete in the payment history not proving the reported information. there's no proof of status change in the payment history. to my understanding if this furnisher recently reported on MY private non public consumer report they MUST not only follow protocols under 15 U.S.Code 1681s-2 but also under 15 U.S C 1681e ( b ) the consumer reporting agencies SHALL follow reasonable procedures to a ASSURE maximum possible accuracy in preparation of a new updated reported of the information concerning MY report. under 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give this furnisher written instruction to report on my consumer reports. Under 15 U.S..C 1681 ( a ) ( 4 ) The consumer reporting agencies and this furnisher is VIOLATING my right to privacy and failing to exercise there GRAVE RESPONSIBILITIES by being fair and respecting my right to privacy, I am tired. I am drained. my consumer report, my character and my opportunities to gain new credit line opportunities have been damaged enough and that Is why I am filing a complaint. I have attached proof to support this claim. I have researched and studied. It has been brought to my attention that XXXX XXXX is under a investigation themselves because of the unfair practices concerning the XXXX XXXX against people of XXXX. I am a person of XXXX myself and im not to sure if these improper procedures have anything to do with that but I have included law after law that the consumer reporting agencies and this furnisher must comply to and there are clear violations being committed here.

Company response to consumer: Closed with explanation