Consumer complaint received 2022-12-15
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 contacted Equifax and requested that they look into accounts that are reflected included in bankruptcy. They sent me investigation results advising that they confirmed this information with the original creditor. After contacting the original creditors on a recorded line, and inquiring further into this matter, they informed me that they did not verify accounts with the credit bureau. I made an attempt to dispute this matter with the alleged creditors who informed me that they only report it and that I would have to contact the credit bureaus to have them further investigate with the courts. After contacting the courts, PACER, and the creditors all three have advised that they do not confirm public records with the Credit Reporting Agencies, do not guarantee that any public record information is accurate, or convey information directly with the credit bureau. This is Equifax continued blatant disregard of my demands to remove inaccurate or unverifiable information on my credit report pursuant to the Fair Credit Report Act 15 USC 1681. There is also incomplete information reflected on my credit report that the credit bureau has failed to update as well. That information is demanded to be updated or removed from the credit profile and credit report immediately pursuant to federal law ( FCRA ). The fact is Equifax understands that I am in the process of disputing items whether directly through a credit repair company or through myself. It is my contention that Equifax is participating in deceptive practices because they have removed information from my credit profile that hinders me from being able to see information to ensure information is accurate. Not showing data on my credit report related to payment history, and other important information constitutes as incomplete information. It is my contention that Equifax is hiding this information because every item they keep on my credit report they profit from regardless of whether it is inaccurate, unverifiable, or incomplete. It is my opinion and strong contention that based on the actions taken ( or lack thereof ) by Equifax, they are participating in criminal activity violating federal law. I would encourage Equifax to consider its violations and remove information from my credit report that is unverifiable, inaccurate, or incomplete. This is my last warning to Equifax before I take action against their company. I have spoken to several attorneys who are taking action against other furnishers, and creditors, and will be filing lawsuits shortly. I have no problem with hiring an attorney. My sleeping patterns do not change at all. Because most attorneys take the matter on contingency so there is no loss. The only reason why I am submitting this is that I want a human being to look at the information on my profile rather than E-Oscar or other AI/Machine Learning software or databases used by Equifax. That way, If an attorney files suit in federal court over their inaction, we can prove that Equifax 's actions were willful, rather than a matter of " We can not keep up with the number of disputes '' or " This was a system error! '' Govern yourselves accordingly!

Company response to consumer: Closed with explanation