Consumer complaint received 2018-05-26
Company: EQUIFAX, INC.
State: LA
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 am upset these bureaus are allowing companies to put information on consumers profile that are reporting inaccurate and accounts that don't belong to the consumers including duplicate accounts.You asked them to investigate this information because they are breaking the law and they don '' t but send back verified, you asked them how did the verify the accounts because they don't belong to you and they ignore that information I request that equifax please send me copies of the documents that they have in there files as of this date that they used to verify the accuracy of the 5 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. XXXX DID THE SAME THING WITH TWO ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX   Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I WAS JUST expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

NOTE : Please dont respond to my request by saying that these accounts have been verified I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, if they are not removed and you are unable to provide the necessary documentation.

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I ASKED THEM to allow the accounts be properly METRO 2 COMPLIANTLY verified WITH EVIDENCE or removed immediately : I SENT 2 LETTERS OF VALADATION EACH TO BOTH COMPANIES VIA CERTIFIED MAIL OVER 60 DAYS AGO AND THEY IGNORED ME WHICH IS AGAINST THE LAW.

THE ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX 5 TIMES XXXX XXXX XXXX Equifax sent verified on 5 medical accounts WITH THE XXXX XXXX of the that are in violation of the law Under the National Consumer Assistance Plan, medical debt should not be reported sooner than 180 days from the date of first delinquency. The accounts listed below were added to my credit report prior to the permissible 180-day time frame which did not allow enough time for me or my health insurer to pay the debt. As a result, I am requesting these collection accounts be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief