Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: SC
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:
Problem 1 : I have made several attempts to have Equifax # 1 remove incorrect information from my credit file, # 2 force Equifax to appropriately report on my file, and # 3 validate debts, and finally # 4 come into Metro 2  Compliance with ALL accounts on my credit file. Equifax always resolves any investigation that I request with " Debt Verified '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading one such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their ( XXXX XXXX ' ) office. How then, could Equifax have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated ( in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path Equifax has taken on every single dispute that I have submitted to them. I have attached the first 4 pages of the report Equifax sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance : XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX I have attempted to attach the copy of the letter the collection agency sent me ( XXXX XXXX XXXX stating the account is closed in their office ( Equifax sent it back as `` verified '' and refused to remove from my credit file ).
Even the account numbers listed are partial and incomplete account numbers.
Problem 2 : Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file  disputes with Equifax. On XX/XX/XXXX I called in to see why was it that my score dropped from XXXX ( dated XX/XX/XXXX ) to XXXX ( dated XX/XX/XXXX ) and was told by the following agents that it was because I had filed disputes : XXXX ( agent id # XXXX ), XXXX ( agent id # XXXX ), and supervisor XXXX ( agent id # XXXX ). To my knowledge filing a dispute does n't adversely affect your score. Why is Equifax punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and Metro 2? There were not any new activity that would cause my credit score to drop 98 pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes? Also, I have uploaded the latest letter that I have sent Equifax ( dated XX/XX/XXXX ) trying to get them to come into Metro 2 Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about Metro 2 Compliance to the.

Company response to consumer: Closed with explanation