Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Equifax : After reviewing your response to my dispute letter of charge-off account. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX FIN Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 
1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant.

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again.

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

Im carefully tracking all correspondence with your company.

I think 30 days should be long enough for your company to complete this investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation