Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: NC
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:
On  XXXX   XXXX ,  2017 , I filed a dispute with Equifax via their online portal. I received the confirmation email with the number :  XXXX . The dispute was for items that did not belong to me. The dispute was for   XXXX  cable companies, one of them even had an  invalid address listed ; I never lived at the residence. I did receive a confirmation email for the dispute, however I never received any documents via mail or email stating the completion of the investigation.     I went online to file the same dispute again, thinking that I made an error on the initial dispute and it was never sent to Equifax. After completing it o n  XX/XX/XXXX , th ey sent me a confirmation email. This time, I actually went to their online website where I can see the status of the dispute by entering the confirmation number. The new dispute on   XX/XX/XXXX   populated AND the previous dispute on   XX/XX/XXXX ,  both statuses were " pending '' The " completion date '' for the dispute on   XX/XX/XXXX   was estimated for  XXXX / XXXX / 2017 . However, the date that I checked the status was on   XXXX   /2017 an d it stated that it was still pending. I understand that they have  30-45 days  to respond to a dispute, whether it has been verified by the creditor or not. I never received an email or letter via postal mail.     [ [ Just so I wo n't cause any confusion : Filed a dispute on   XX/XX/XXXX .  Got a confirmation number, did NOT get a notification regarding the completion of the investigation. Due to a lot going on in my personal life, I forgot about it after a month. On   XX/XX/XXXX ,  I was going through old emails and noticed, i never received a follow up from Equifax, figured I made a mistake and filed the same dispute again. They sent me ANOTHER confirmation number, I typed it in to their online portal to check status.. then the PREVIOUS   XX/XX/XXXX  di spute populated as well but it was still " pending ''. I thought that was odd and did some research. Realized they had 30 days to respond. ] ] I decided to call them on   XX/16 /2017    to inquire about the status of the dispute. They informed me that " the creditor verified the information as accurate ''. Which is understandable. However, they never sent a letter notifying me.. I kept telling the call center representative that they had 30 days to do it & failed ; she obviously did not care. She said that they could send me a letter as of today  XX/XX/XXXX .. BUT THE POINT I WAS TRYING TO MAKE IS THAT THEY 'VE ALREADY VIOLATED THE LAW. I should have been received the letter regarding the outcome of the investigation. Even on their online portal, the status was still " pending '' since  XXXX / XXXX / 2017 . I advised her that I wanted to speak with her supervisor. She stated that " her supervisor would say the same thing ''. I no longer wanted to keep going back and forth and advised that i will be reporting them to the FTC, she still did not care.     I was on the verge of screaming and cursing at them, because I felt as if they assumed that I did not know my rights. However, I remained very calm, and courteous regardless of how they kept giving me the " run around '', because I know that hostility solves nothing. The agents were very rude and kept repeating the same sentences over again " I can send you a new letter '' as if i 'm mentally incompetent or I lack intelligence.     Had they contacted me within the 30 days, I could have been proactive on taking further action at that time to get the items removed. Instead, I was left on " pending '' status that went unrecognized until I figured it out myself. I 'm already young and have enough items on my report, I simply can not afford to have negative items that do not belong to me, and it is not fair. I 'm not trying to file a lawsuit and make this a long and drawn out process, I just want them to follow the law.

Company response to consumer: Closed with explanation