Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/20 I sent Equifax along with the creditors a dispute letter disputing the following accounts ( XXXX XXXX and XXXX XXXX. ) Per the FCRA Article 15 section 1681 the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I waited the 30 days but had not received any documentation from Equifax nor the Collection agency. 

On XX/XX/20 I sent another letter demanding that Equifax provide me with tangible proof that I owe this debt if not it needed to be removed. Per the Fair Credit Reporting act If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be VERIFIED the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer On XX/XX/20 after the allotted 15 days I still hadn't received any response from either party. 
So I call equifax and Spoke to XXXX id ( XXXX ). XXXX said that an investigation was done and that a letter was sent out on XX/XX/20. I explained I never recieved anything from them and he said he could send me a copy. I said ok and asked if he could tell me why neither items had been deleted being that i didnt get a response from either company. He said that again he would send out the initial investigation that it had been validated. 
I then asked if the item had been in fact validated when i sent the second letter the credit bureau was to provide me with documentation from the creditors that made the debt in fact validated. He asked if he could place me on hold to speak with management. 
He then go on the phone stated he was told by management if I wanted proof I would have to call the collection company myself because only a certain level has access to document sent in by creditor and that I would just have call the collection company. 

I then asked to speak to manager at which XXXX ( XXXX ) got on the phone he then told me that they use an electronic system and that they ( Equifax ) didnt have documents from the actual credit that I owed this debt to them. I ask why they were not following the FCRA he stated I said it was validated but REFUSED to provide me with documents from the collection company Again per the fcra ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number yet when asked for proof Equifax REFUSED to provide me with documentation which I had every right to request

Company response to consumer: Closed with explanation