Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: MD
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:
Equifax is reporting derogatory information on my credit report and when I have disputed it, it does not get investigated or removed. Approximately, 90 days ago Equifax reported a bankruptcy on my credit report. I contacted Equifax via mail and also, sent via certified mail request for deletion and method of verification for said entry. Equifax did not respond. I called Equifax customer serivce and was informed that it would be investigated, where I also requested a method of verification and 90 days later Equifax has not provided me with a method of verification. As recently as XX/XX/XXXX I pulled a copy of my Equifax credit report and noticed that the bankruptcy is still being reported. I contacted Equifax on XX/XX/XXXX to inqire about a new copy of my credit that I pulled and was able to see that they had reported a bankruptcy on there that the date reported was XX/XX/XXXX. I asked the representative how it was possible for them to report a bankruptcy on my credit report for a date that has n't happened in the future and then the representative began to toy with me. The rep started asking questions as to how you see this information? I then informed the rep that I have daily access to my credit report that I pay a monthly service fee for directly through Equifax and that is how I was able to attain the report. He continue to laugh and asked repeatedly what do you see and how do you see it. After several attempts to undermine me I asked to speak to a supervisor, however, instead of transferring me to a supervisor he kept questioning and taunting me on how I was able to acquire a copy of my credit report. After several attempts to try to speak with a supervisor and me informing the rep that I no longer wish to speak with him because he was playing games with me and toying with me and that this is my life and not a game while he continued to ask sooooo how did you come across this information and I then asked him whether or not English was indeed his first language where he stated yes, that if it were XXXX I would gladly speak with him in another language if necessary. He kept on laughing. I asked then if the cal, l was being recorded he stated yes and it was only then that he asked me if I had a confirmation number which I gave but still would not transfer me to a supervisor. He claimed that they verify their information from XXXX but when I asked how that was possible when my information with them is supressed he stated well we have it. I aslo informed him according to their ( Equifax 's ) over reporting when I pulled my report it shows that they had not verify said information. After several attempts and letters under FCRA Equifax has not updated or corrected my credit report or attempted to do so. I 've also contacted Equifax about multiple inquiries on my credit report I did not authorze and they would not remove it. When I 've contacted the companies they tell me I need to call Equifax and when I call Equifax, Equifax tells me to call the companies. XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation