Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For the record before I begin the actual complaint I want to make it known that this is XXXX XXXX the actual human being and living soul that is making this complaint. The previous complaint I filed against EQUIFAX on XX/XX/XXXX CASE- XXXX, EQUIFAX falsely assumed for no valid reason and chose not to respond by claiming that the complaint may have been filed by a credit repair company, which was completely false. Again this is XXXX XXXX filing this complaint and no other entity or parties are involved. On XX/XX/XXXX I sent a notarized letter to EQUIFAX disputing several items ; it was received by EQUIFAX onXX/XX/XXXX. In this correspondence I also attached a police report for several education loans that are being falsely reported on my credit file. I was very specific in my correspondence that this police report was for those specific items which would include XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ; the police report was n't for every item I disputed in my correspondence. The police report was only for these specific items ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) as stated in my correspondence datedXX/XX/XXXX. I received a correspondence from EQUIFAX dated XX/XX/XXXX stating that EQUIFAX, at this time, will not block the information subject to the submitted identity theft and/or police report. EQUIFAX provided no reason nor did EQUIFAX cite a law for this action. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. EQUIFAX has decided to disregard this section of the FCRA. Also, in regards to the items I have disputed that were not included in the police report that need to be properly and lawfully verified, which I have requested from EQUIFAX several times, with no compliance on the part of EQUIFAX. I have requested their method of verification and EQUIFAX has not complied and has admitted through their actions and agents that the verification process is automated and electronic codes are sent between the credit bureau and alleged creditors and/or data furnishers, which are not properly or lawfully verifying any accounts/items. The definition of verify in a XXXX 's Law Dictionary is stated and defined as the following : " To confirm or substantiate by oath or affidavit ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, and other papers. The word " verified '' when used in statute, ordinarily imports a verity attested by the sanctity of an oath. It is used interchangeably with sworn. To prove to be true ; to confirm or establish the truth or truthfulness of ; to check or test the accuracy or exactness of ; to confirm or establish the authenticity of ; to authenticate ; to maintain ; to affirm ; to support ; second ; back as a friend. XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ''. EQUIFAX is admittedly not verifying items/accounts according to this definition from the XXXX law dictionary. For an item to be properly, legally and lawfully verified ; the alleged creditor/data furnisher must " confirm or substantiate by oath or affidavit '' that means that a living human being and authorized representative of the alleged creditor and/or data furnisher must attest under oath that a debt is actually owed and that the information they are reporting to the credit bureau is completely true and completely correct. This does not occur by sending electronic codes between the credit bureau and alleged creditor and/or data furnisher. EQUIFAX continues to disregard the law and defame my name by falsely reporting items/accounts that I have provided a police report for and they also continue to falsely report several items/accounts that they have not properly and lawfully verified according to the legal definition of Verify defined in a Blacks Law dictionary.

Company response to consumer: Closed with explanation