Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX I called into Equifax fraud dept to see why they are still reporting fraudulent accounts and inquiries on my report that I notified them of back on XXXX XXXX. The rep that answered the line was not very competent as he had to transfer me to a supervisor by the name XXXX operator # XXXX agent # XXXX she stated that the dispute was received on XX/XX/2022 and started processing on XXXX XXXX and till this day shows incomplete. I told her according to FCRA 605B this should have been completed in 4 business days from the day you received it and it is now been 52 days. I asked her what does the law stated if the investigation or accounts not verified was not completed within 30 days what happens she stated they are supposed to be deleted. I asked her well why are these fraudulent unverifiable accounts and unauthorized inquiries still on my report????? She stated it is handled by an internal dept and she would need to file a complaint to see why the investigation was never done. Then she goes on to tell me that a letter was mailed on XX/XX/2022 to advise me they needed proof of identity to process. I said ma'am how can you mail me a letter about a dispute that I didnt notify you of until I faxed it on XXXX XXXX and you just told me you didnt receive it until XXXX XXXX so that makes ZERO sense, you guys are not doing anything but reporting incorrect information and I trust nothing you say or report!!! 

See at this point EQUIFAX is being negligent with the process of investigations of disputes. They continue to violated any and ALL FCRA laws ( 1 ) 15 USC 1681b ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

( 2 ) 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 3 ) U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Im tired of having to call them spend my whole day on the phone for them not to do their job and just plainly ignore the law. They need to be held accountable for things they are not doing!!! My information was compromised due to their DATA BREACH and I'm the VICTIM and they are treating me as if I was the HACKER!!! This is not sent in error and not a 3rd party this is a CONSUMER who is tired of this RUNAROUND with EQUIFAX they told me to send the FTC with my proof of identity and that what I did!!! and they dont even process my request like what the XXXX is going on for 52 DAYS

Company response to consumer: Closed with explanation