Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third time filing a compliant with the CFPB for this issue. My first complaint was closed due to " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' So I submitted another compliant with the last four digits of my SSN, so Equifax could verify my identity. It was closed with this note : " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' What additional information does Equifax need to verify my identity? I have already provided the necessary identification verification information such as my SSN. 

This is a formal compliant against Equifax for failing to comply with the FRCA. To provide some backstory for my complaint : On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reported a fraudulent collection account on my credit reports. On XX/XX/XXXX, I disputed the erroneous collection with the CFPB and the XXXX XXXX XXXX with proof of documentation. The next day, XXXX responded to my XXXX XXXX XXXX and CFPB complaint, verifying the account did not belong to me and would request a deletion. On XX/XX/XXXX at XXXX XXXX ( ET ), I called Equifax to enquire why the XXXX collection account was still showing on my report since it was reported as 'Deleted ' by XXXX XXXX I spoke with three different representatives, who confirmed the update was received from XXXX, requesting deletion/removal from my credit report. The third representative had me on hold for thirty-minutes while they were attempting to transfer me to the Fraud Department. I was unfortunately transferred to the IVR system for Equifax Customer Service Feedback. I redialed Equifax 's number and requested to speak with someone in the Fraud Department. The representative ( XXXX ) who answered the line informed me I had been routed to the correct department. XXXX noted that my account was updated by XXXX with a request to delete/remove the account from my credit report. However, she could not state when it would be deleted despite XXXX reporting the account as fraudulent and inaccurate. Having run through circles of going nowhere with XXXX, I requested to be escalated to a Manager or Supervisor for further assistance. XXXX insisted all of the managers were preoccupied and unable to answer customer phones calls. I persisted- I could wait on the line until a supervisor became available. After waiting over two hours, the call was finally transferred to the Fraud and Dispute Department Supervisor, XXXX. XXXX reiterated everything that was previously stated. He confirmed/validated that they received the deletion request from XXXX, but can not delete the item now. I asked him if additional information is required for the deletion to be expedited. XXXX stated, " Additional information is not needed. '' So I proceeded to enquire about a timeline. XXXX responded with " No worries. I can not tell you when this will be taken care of. '' Per the FCRA, both the credit reporting company and the collection agency are responsible for correcting inaccurate or incomplete information on consumers credit reports. Fair Credit Reporting Act 15 U.S.C 1681 Revised XX/XX/XXXX : Section 5 A 1 i ( A ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation