Consumer complaint received 2015-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have notified Equifax CRA that they are reporting fraudulent account named XXXX XXXX XXXX XXXX and other fraudulent inquires on my credit report.They also were reporting fraudulent address on my report. They have since sent me evidence of the inquiries and the addresses being deleted off my credit report but when I did an update the same accounts and Inquiries are still posted to my account. Equifax provides a fax number which never receives your faxes. I have tried to contact equifax on the phone in which the CRA bounces you from department to department in which no employees seems to be able to help with your individual dispute. I have requested in writing to Equifax with certified mail return # XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 and before this last and final attempt. Equifax has been given written notice formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Which they continue to fail to provide breaking federal law. The Fair and Accurate Credit Transaction Act states that the item must be deleted if it is accompanied by a police report. The FACT Act also establishes national requirements for data blocking and requires that within four business days from receiving a police report, credit bureaus must block any information in a consumer 's credit file that resulted from an alleged identity theft. The credit bureaus will tell you they have up to thirty days to investigate the information you are disputing. This simply is not true. 
The FACT Act places these requirements relating to blocked information on the credit bureaus, but it also has requirements for data furnishers. If the data furnisher aka creditor receives a notice that a specific account has been blocked, the creditor may not provide the account information to any credit bureau. Since the credit bureaus have blocked the information, the consumer no longer has a relationship with the creditor. Therefore, the bureaus can not supply any information relating to a blocked account to a creditor. The creditor does n't even have the right to pull the consumer 's credit file anymore because it no longer has a permissible purpose to access this information. 
When it comes to fraudulent information on a consumer 's credit report XXXX guidelines state, " If a consumer submits an identity theft report to a furnisher and states that information maintained by the furnisher resulted from identity theft, the furnisher may not provide the information to any bureau, unless the furnisher subsequently determines or is informed by the consumer that the information is correct. '' Notice the part of this section that I have put in bold. The consumer, you has to inform them that the information being reported is correct. 
Another rule that relates to fraudulent information is that blocked data due to a police report can not be sold. XXXX states, " No person shall sell, transfer, or place for collection a debt that such person has been notified has been blocked by a nationwide credit bureau. '' What that means is that once you send a police report in to the credit bureaus and they delete the fraudulent information, the creditor can not sell the account

Company response to consumer: Closed with explanation