Consumer complaint received 2023-09-27
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. (IN)

XX/XX/2023 I disputed incorrect information on my Equifax report via certified mail. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. I then called Equifax and they said that I need to resend the information. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

This is absolutely insane and appears to be clear cut violations of 15 USC 1681i ( Fair Credit Reporting Act ) for failure to investigate. 

A VERY basic investigation would prove I sent the required documents MULTIPLE times and Equifax REFUSED to investigate. 

15 USC 1681i ( a ) ( 1 ) ( A ) states " ..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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) ( Fair Credit Reporting Act ) I therefore respectfully request that all items being disputed be deleted from my Equifax Credit report immediately. 
The erroneous accounts are attached in the uploaded documents and include : XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX {$390.00} XXXX XXXX  {$1300.00} XXXX. XXXX XXXX. XXXX {$590.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$990.00} XXXX. XXXX XXXX {$4100.00}