Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I made CFPB Case number : XXXX aware of that disputed a few items on my credit report as inaccurate. Original dispute case number Confirmation # XXXX. Equifax just indicated that the items were verified. I requested the method and manner along with PHYSICAL PROOF OF THEIR VERIFICATION. No proof was provided they just responded that it was a factual record. I am simply requesting the signed applications that it was me that signed the original credit application which by law they are required to keep on file. I was in the past a victim of ID theft. Please see below the affected accounts and inquiries : According to the FCRA, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) AND 611 ( 5 ) ( A ), you are required by law to have verifiable proof of any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I requested to see a copy of ( a consumer contract with my signature on it ) of the verifiable proof that Equifax has on file of the account ( s ) listed below. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX VA XXXX : ( XXXX ) XXXX XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX XXXX AS OF XXXX/XXXX/XXXX I RECEIVED A RESULTS UPDATE CONFIRMATION # XXXX, THAT THE ISSUES HAD BEEN RESOLVED. I NOTICED THAT TWO ACCOUNTS HAD NO RESPONSE OR RESOLUTION INDICATED. I DECIDED TO GIVE EQUIFAX A CALL TO DETERMINE IF THEY WERE SENDING ANY ADDITIONAL RESPONSES BY MAIL OR IF IT WAS STILL IN THE PENDING STATUS. I SPOKE WITH XXXX AND SHE FIRST STATED THAT THEY DID NOT RECEIVE THE DISPUTE FROM ME NOR THE CFPB INQUIRY MADE XXXX/XXXX/XXXX OR AFTER. I LATER SPOKE TO A SUPORVISOR ( XXXX ) THAT DID SEE WHERE THE ACCOUNTS DISPUTES WERE RECEIVED BUT SHE SAID THAT EQUIFAX DID NOT ENTER THEM. 
Equifax just indicated that the items were verified. I requested the method and manner along with PHYSICAL PROOF OF THEIR VERIFICATION. No proof was provided they just responded that it was a factual record. I am simply requesting the signed applications that it was me that signed the original credit application which by law they are required to keep on file. I was in the past a victim of ID theft. PLEASE SEND ME PROOF THAT I SGINED FOR THESE ACCOUNTS, THE METHOD AND MANNER IN WHICH THEY WERE VERIFIED XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX VA XXXX : ( XXXX ) XXXX XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation