Consumer complaint received 2022-12-11
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:
XX/XX/XXXX I ask that Exquifax verify the completeness and accuracy of the following accounts and to forward me any and all evidence related to the investigation according to 15 USC 1681 XXXX XXXX XXXX Account # XXXXXXXX Balance {$480.00} Date opened/XXXX XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX Balance {$0.00} Date openedXXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date openedXXXX XX/XX/XXXX Open Account/ XXXX XXXX XXXX XXXX did provide me with some documentation that has my name with an unfamiliar signature and phone number. Again, as a victim of identity theft, I provided Equifax as well as XXXX XXXX XXXX with a copy of the Identity theft report along with a copy of an Official letter from XXXX college informing its XXXX  of a personal information data breach. 

Equifax preform an investigation according to the FCRA and had this investigation occurred accordingly, you would have found that this company is continuing to report as open and on time, but also reporting that its in collections. 

Furthermore, the account was purchased by XXXX XXXX XXXX from the original account holder which was XXXX XXXX XXXX So how can this account simultaneously be open and reporting on time payment and yet be in collections? 
Had a proper investigation been conducted, your company would have found these obvious inaccuracies! 

The 30 days allotted by the FCRA has been exceeded, Equifax and XXXX XXXX XXXX failed to perform the proper investigations and provide me with the necessary verifiable documentation of the following accounts. I demand that the following accounts be delete at once Exquifax verified that the account was mine,, XXXX XXXX only provided purchase statements that only proved that someone utilized a card with my information but did not provide the original instrument of indebtedness such as a contract with my signature which would be the most important piece of evidence to prove that the debt is mine. 
XXXX XXXX in fact cant even determine how the application was submitted. Enclosed I have provided the official letter from their security department where it reads : [ We are unable to provide a copy of the application. The account was either applied for via the internet, telephone or the application is no longer on file. It is our policy to keep credit card applications on file for 25 months ]. 

My question is how could you allow this to be verified when XXXX XXXX themselves can not provide an essential key part of verification such as the contract or application which are considered the original instruments of debt? 

Furthermore, both XXXX and XXXX deleted this account because XXXX XXXX  failed to verify the account and provide necessary verifiable documentation in addition to not preforming a proper investigation according to the FCRA No reponse from XXXX XXXX XXXX where the have reported an account that is unfamiliar to. I have a current account with them but the one above is unfamiliar. I believe they have duplicated accounts or are just in complete error of the item. They didnt send any evidence of my request from the investigation I have enclosed letters I sent to Equifax ( tracking XXXX ) and XXXX XXXX XXXX ( tracking # XXXX ) copy of my Identity theft report, copies from college informing me that my personal info was breached.

Company response to consumer: Closed with explanation