Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

As the new year of XXXX rolled around, I went about embarking on improving my financial position as a consumer and started by making sure my personal credit profile was intact. Upon taking action, I started off by pulling my Equifax credit report on XX/XX/XXXX and noticed several inaccurate items including my personal information, such as current address, employers and correct spelling of my name. Ready to get things going, I started things off by sending Equifax a certified letter in the month of XXXX, XXXX in which I requested that my personal information be updated to its current data. After this bureau gave me issues about not being to " read '' my identity information, which was a blowed up picture of my current driver 's license and social security card, I sent in XXXX different episodes, ANOTHER personal information update letter with XXXX forms of identification ( which was pictures of my current driver 's license and social security card as I clear as I could produce the images ). To add more weight to this initial step, I also called Equifax and gave the representative who answered my call my correct/up-to-date personal information for the purpose of updating it in their system to which the representative I had conversed with had said my request had been fully completed ( HOWEVER, that didnt happen which is part of this complaint ). Thinking that was finally and successfully out the way, I turned around and sent certified letters to Equifax from XX/XX/XXXX- XX/XX/XXXX in sought of requesting investigations into the negative items that were present on my credit report. During those months I had received letters from Equifax that had informed me that the investigations were completed and disputed items were accurately being reported on my credit report. However, during those periods of times, Equifax had completely lacked to conduct a proper investigation as a consumer reporting agency and thus created a violation of my rights for a proper investigation and rendering of pertinent information under 15 U.S.C 1681i ( 6 ) ( b ) ( iii ) that states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Secondly, my next attempt of resolve was executed when I sent Equifax another letter certified mail on XX/XX/XXXX whereas I had informed them of their previous failure of proper conduct in relation to my request for the negative items that were on my credit report to be properly investigated for accuracy. This bureau, which bound by FCRA and consumer laws, rules and regulations has yet to clear my report of these unlawful and hindering items to which point, Ive given ample opportunity to dissolve my concerns both fairly and justly. Because of this, further violations of my consumer law rights were rendered by way of the following : - 15 U.S.C 1681e ( b ) states : 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. 

- 15 U.S.C 1681i ( 1 ) ( a ) states : if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Additionally, the following brings forth factual data, that by consumer laws, gives grounds for the correction of my credit report in parallel of the items that Im bringing forward in this final complaint before moving forward in civil litigation : - Late payment disputes have not been responded to with documentation of when the alleged initial 30 days lateness occured in according to this rule : 15 U.S.C 1681s-2 ( 7 ) ( a ) ( i ) which states : If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

In addition to this, the subsequent rule to this law states 15 U.S.C. 1681s-2 ( 7 ) ( b ) ( i ) which states : The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title. 
( I had never received such a notice whether by email or my current mailing address yet Experian allowed the creditors responsible to place or furnish such information on my credit report ultimately causing financial distress ) - Collection account disputes in which have not been responded to with documentation of legitimate ownership of both the consumer ( me ) and the debt buyer via a bill of sale or purchase agreement in accordance to the Fair Debt Collections Practice Act. Additionally, within this case law represents the duty of debt collectors that have failed to uphold their practices : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that an assignee establish its standing before a court, since " lack of standing renders the litigation a nullity. '' It is the " assignee 's burden to prove the assignment '' and " an assignee must tender proof of assignment of a particular account or, if there were an oral assignment, evidence of consideration paid and delivery of the assignment. '' Such assignment must clearly establish that Respondent 's account was included in the assignment. A general assignment of accounts will not satisfy this standard and the full chain of valid assignments must be provided, beginning with the assignor where the debt originated and concluding with the Petitioner.... 

- Failing to respond to my credit dispute letter dated on XX/XX/XXXX within 30 days had further violated my protected rights under FCRA rules that are outlined in 15 U.S.C 1681i ( a ) ( 1 ) ( a ) which states : " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ''