Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: IL
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 have filed disputes and they regarding inquiries and accounts that should be removed and they keep coming back verified. I have submitted multiple documents and they still refuse to delete these inquiries and accounts. I called each bureau over 25 times and sometimes I got the same agent who was very rude and suggested I stopped calling as she was able to see I called multiple times. I was told I needed to file an FTC and police report if I wanted inquiries and accounts deleted and that was the law. I had multiple credit reports with the file numbers and was able to point out the inaccurate information. I was told that account could not be deleted and I could only dispute the information so the data furnisher could correct and update the account. I repeatedly gave them the FCRA law that proved that wasn't true. I stated multiple times the FTC doesn't allow you to dispute inquiries or accounts and that I had to file a CFPB complaint. The agents for the credit bureaus repeatedly stated I need a FTC and police report and inaccurate information doesn't mean an account should be deleted. These credit bureaus have destroyed my credit and it has dropped my score from as XXXX to over 120 points with all the inaccurate information. If I dispute the account they allow them to update and and false remarks and comments and at one dispute it dropped my score from the XXXX 's to the XXXX 's. These credit bureaus are getting away with allowing these agents to use false information which allows them to profit off of data furnishers and consumers like myself not buy homes, get loans or a credit card because of the refusal of a proper investigation. I'm asking that I receive monetary damages as I will upload credit reports and other documents that prove they didn't do a proper investigation or delete accounts with inaccurate information. I want {$10000.00} for the multiple violations per the FCRA for ruining my credit and the multiple denials of credit including a home loan. These credit agencies should not be allowed to say I have to file a FTC or police report when that is not true but all bureaus are stating this when you call. These credit agencies make it impossible to dispute inaccurate information and inquiries and to remove the information is impossible because they side with the data furnishers. Something needs to be done when complaints are filed and make these companies submit documents just as we have to when they are stating this information is verified when it's not. The E-Oscar system needs to be done away with.. I have submitted credit reports which show each company is reporting different to each bureau which is a {$1000.00} violation each and I have given the bureau on multiple occasions to delete the information. In the letter from XXXX they can't verify that is my account and that includes them staying I have a bankruptcy that is on my report and belongs to me.. That is another violation. The accounts are XXXX XXXX, XXXX, and XXXX XXXX. The inquiries are XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX retail card services, XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation