Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax continues to not do a legitimate investigation and denies ever receiving the appropriate supporting documents that would otherwise deleted this negative account off my credit report. 

On XX/XX/XXXX at approximately XXXX XXXX, I called Equifax dispute Department at number XXXX and an automated recording stated that the phone conversation may be recorded. Once I got the representative on the phone, I informed him that I was recording as well. He later identified himself as, employee ID #. 

When explaining that my concerns about the reason this account should be deleted he denied that Equifax ever receiving any documentation, however, Equifax did in fact received the dispute documents that was dated XX/XX/XXXX also was sent a copy of dispute letter to Equifax by certified mail and was received on Friday XX/XX/XXXX at XXXX that was received on XX/XX/XXXX to XXXX  XXXX XXXX XXXX by certified mail USPS : # XXXX at approximately XXXX. I explained to Equifax that XXXX did not respond in the 30 day time and a follow up non response letter was sent by certified mail USPS : # XXXX and the collection agency did not respond to that letter as well that is attached with this complaint. 

When explaining to the representative that I sent the certified letter to XXXX XXXX XXXX requesting that they send any documents with my signature of a contract that proves that I am the person owning the debt. The collection agency never responded to the request or acknowledge the Non response letter and only state that the account has been verified. 

I stated that I am requesting a method of verification concerning this account. I went on to say that this request is in response to your recent claim that XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( b ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consume by the agency, including the business name and the address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 

Name, address, and telephone number of each person contacted regarding this alleged account. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response of XXXX verification is unacceptable. I am requesting an investigation along with your method of verification.The item in question is inaccurate and represents a very serious reporting error. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

After making this request the request of the method of verification over the phone with Equifax, the representative attempted to mislead me by stating that this information that I am requesting should be coming from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX at approximately XXXX XXXX, I called and spoke with the rep at XXXX  and according to them, this account was deleted on XX/XX/XXXX, by XXXX with XXXX XXXX XXXX Authorization, the same agency that reports to Equifax and XXXX reason told to me was because of inaccuracy. 



THE RECORDED CONVERSATION CAN BE PROVIDED UPON REQUEST!!!