Consumer complaint received 2022-09-27
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: Their investigation did not fix an error on your report

Complaint:
I have rec 'd a copy of my dispute report, XXXX report # XXXX & see some accts being reported as " verified '' I have disputed the accts multiple times via certified mail with the 3 bureaus. XXXX has found these accts to be inaccurate, unverified & have deleted them from my credit report, but Equifax XXXX XXXX continues to report them as " verifed and updated '' after their " reinvestigation ''. The disputed accts are : XXXX ) Experian ( XXXX acct # XXXX, Acct # XXXX XXXX ) Equifax XXXX XXXX acct XXXX, XXXX acct # XXXX ). My question is, how did they complete their investigation, what is the name of the person that conducted the investigation, as per 15 USC 1681 Sec 603 ( 3 ) ( E ), were my friends, family members or anyone with any information to my character, general reputation, personal charecteristics or mode of living, obtained as part of their investigation? Were my friends, neighbors or associates of me, the consumer, or even any other associates I am acquainted with or who may have knowledge concerning any such items of information interviewed to shed light on this matter as allowed by law? 15 USC 1681 ( a ) ( 4 ) states ... consumer reporting agencies exercise responsibility with fairness, impartiality and respect forthe consumer 's right to privacy. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of th consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 15 USC 1 681 Sec 604 A Sec 2, states a consumer reporting agency can not furnish an account wthout my written instructions. 15 USC 1681b ( a ) ( 2 ) subsection ( c ), a consumer reporting agency may furnish a consumer report under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. 15 USC 1681 ( 5 ) ( A ) ( l ), if after an reinvestigation, paragraph ( 1 ), of any information disputed by the consumer, is found to be inaccurate, or incomplete, or can't be verified, the consumer reporting agency shall : promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation. I have disputed these items & was NEVER provided any notice or documentation of the validity of these accts or any of the following, 15 USC 1681g, as I have the right to demand : 1 ) Original copies of any or all documentation with my signature, contracts/agreement that I have with these agencies/companies, records that you have obtained & you have maintained 2 ) What you say the money I owe is for 3 ) Identity, name, address, acct number of the original creditor 4 ) Proof that the statute of limitations has not expired 5 ) Proof that these companies have a license to collect in my state 6 ) Their name, license number of the Registered Agent or Agent of Service. 
How are these accts investigated & being reported as " verified '' when the acct numbers, open dates, dates last active & dates last reported are inaccurate. These are in itself grounds for immediate removal. I am the consumer, a natural person & am aware of my rights protected by Congress under the Fair Credit Reporting Act ( FCRA ), the list of accts below has violated my federally protected consumer right to privacy & confidentiality under 15 USC 1681.1, 15 USC 1681 Sec 602 ( A ), 15 USC 1681 Sec 604 ( A ) Sec 2, which also states a consumer reporting agency can not furnish an account without my written instructions, delete these accounts immediately, unless you want to be held liable for ( {$1000.00} ) per violation, accts : 1 ) XXXX ( XXXX acct # XXXX XXXX {$9000.00}, Acct # XXXX XXXX {$1100.00} XXXX ) Equifax XXXX XXXX acct XXXX XXXX {$9000.00}, XXXX acct # XXXX XXXX {$2800.00} ). 
15 USC 1681 Sec 604 ( A ) Sec 2, A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 Sec 604 ( A ), again my right to privacy. I don't want a response to this request to be another " verified and updated '' entry in my credit report, but copies of the validation sent to me with my signature used to verify the accuracy & acknowledgement of the above accts within 15 days. If you do not have any documentation in my file of these disputed accounts, or can provide me a copies of the verifiable proof that XXXX have on file for each of the listed accounts they must be promptly deleted as required under section 611 ( a ) ( 5 ) ( A ) ( l ) & provide me an updated, corrected copy of my report. By publishing these inaccurate & unverified items in my consumer report & distrubiting them to third parties, you are damaging my reputation & credit worthiness. You are furnishing consumer information on accounts where you infringed upon my rights pertaining to privacy.

Company response to consumer: Closed with explanation