Consumer complaint received 2023-04-04
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 submitted 3 complaints, one with each of the 3 main credit reporting agencies. As of the day of this complaint 2 still show as " under investigation '' several weeks in but literally within the same day I filed a complaint Equifax decided the investigation was over. How it's possible for that to be the case when it's incorrect is beyond me. I've provided a paper trail beginning XX/XX/XXXX when I very first mentioned that I never received a product in the mail that was to be shipped to me. I specifically told them this and mentioned id contact the police if needed to file a report. I took the initiative not them. I then filed said report because I never heard back and being mail related I knew it was time sensitive. I can tell you with that with complete confidence The email which I received just the other day closes the case on this in my favor as they're admitted to their mistake and how they were going to be correcting it. So how Equifax is able to close it out and not remove it as instructed is beyond frustrating. How either of the companies is able to use illegal because in reality I'm correct but for whatever reason, that being that they took so long ,3 months and going on 4 all the while effecting my credit to the tune on more than XXXX XXXX that now they can't file with their insurance to just write it off because said investigation took so long, because of their lack of prioritizing their workload I am now having to take the front of it on my credit to reflect as if I've spent money that I have not spent which is affecting me currently as I'm trying to purchase a car so this expects me more than most people at the very moment. It's going to end up costing me thousands of dollars down the road in interest. That's not fair and it's illegal. The company has even shown to me as I told them I never signed for any package and was told signatures would be required and I had two packages coming I never saw either delivery person never sign for a single package and I received one of the two packages. I specifically asked to see the signatures that are due for either box and they sent me one and of course it was for the one that hasn't shown up and laughably is a straight line across the signature paper and they said that that was my signature. They have my ID which has my signature on the bottom. I even signed a document on the spot screenshot it and send it to them for comparison and then ask for the signature on both boxes for a comparison because like I said I didn't sign either one so if the second one that I got is signed for surely it resembles my signature according to them. The funny thing is I've get to see this second signature for the second box and I've asked for the comparison for weeks. It's not that hard. Like I said this is all because they have now taken so long they're beyond their period of claiming this on their insurance and I am 100 % positive about that but that is not my issue as I literally told them day one that this happened. But they've continued to debt for my account and report this to my credit so not only is it costing me in credit and in interest to the tune of several thousand dollars at the end of the day they're also taking money out of my account right now that is not due to them. This should not be showing up on any of my credit reports. 

I need this removed my account immediately This is not fair and it is 100 % illegal. In fact to up until this past week XXXX still sent me emails from them trying to ask me questions about it because they still have not finished their investigation so how can it possibly be closed with Equifax and not the other 2 companies and closed the same day I sent it in? It may not be important to them but I have to live by the number on that screen and I take it extremely seriously. I feel disrespected and if I'm not mistaken that's a clear violation as I've now asked for the overview of how this investigation took place. It infact never took place. That's an impossibility.

Company response to consumer: Closed with explanation