Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: CO
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:
****THIS COMPLAINT IS BEING FILED BY ME PERSONALLY. I HAVE FILED COMPLAINTS BEFORE AND YOU HAVE TRIED TO STALL ME BY SAYING YOU BELIEVE THIS IS FROM A CREDIT REPAIR COMPANY. YOU ARE MISTAKEN AND I EXPECT MY COMPLIANT TO BE HANDLED IMMEDIATELY**** ATTENTION EQUIFAX This Complaint is in response to your recent claim that Goal Financial has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable and I believe that is what you have provided to me under confirmation number XXXX I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing this complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action as well as filing a complaint with the FTC, State Attorney Generals office and the BBB. The fact that you continue to send me nothing more than an automated response simply stating that you have verified the information with XXXX XXXX is unacceptable. I am attaching the investigation results from XXXX to this complaint showing that they were unsuccessful in obtaining verification. I find it very hard to believe that Equifax has a magic wand that allows you to have instant communication with XXXX XXXX to verify this information. If you wish to face me in court that is fine, but I have sufficient proof that I was never late on any payments with XXXX XXXX and that this specific account does not even exist any more. I would take this compliant very seriously as this is your last warning.

Company response to consumer: Closed with explanation