Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Hello, I am experiencing issues with removing inaccurate information from my credit report from Equifax and XXXX. Currently I have disputed several items and they continue to somehow be verified by the credit reporting agency however, I am unable to obtain proof of the verification. Equifax continues to vwerify the items electronically even though I have request a non electrical verification for these items as they are incorrect. 

Firstly XXXX has been disputed 3 times for violations to XXXX as they are a 3rd party creditor with my SS # along with date of birth and address information with no contract. I have requested a contract be produced based on the FDCRA and have not received any information except for the item being verified. The item has been disputed 3 times and all 3 times has somehow been verified without any information being provided to me. Items remains on my credit report. 

XXXX has XXXX items on my credit report and have not provided adequate information related to the accounts XXXX [ pts for stating that the account came from XXXX but when XXXX was contacted related to the loans, they stated they loans have been paid in full. With that said, these items are still on report after being investigated over 4 different time. XXXX is noncompliant within the State of TEXAS to do business and should be removed immediately from my reports. 

XXXX XXXX XXXX, disputed 4 times and is currently on my credit report and stating that I have a balance and have been late over 90 days. Which in all actuality, they have not been able to produce the wet ink signature that is being requested of them, however they are still reporting to on the item while the items are still under investigation. they have violated my FDCRA rights. 

XXXX XXXX has been disputed 4 times and has come back each time with a verification electronically after I have asked that all items be verified manually and correctly. They currently have a derogatory item on my report and they are also non compliant to do business within the State of TEXAS and are also not bonded. I have repeatedly asked for the contract that was signed to initiate the contract but have unable to obtain the information other than the item has been verified. 

XXXX, is not registered with the state of TEXAS and is also no bonded but doesn business in the state of TEXAS and also collects payments. The derogatory items has been disputed over 4 times and yet and still the items remains even with Equifax knowing that the company is non compliant in which they do business and they are not bonded. 

Equifax has neglected to investigate the items that have been disputed correctly and as a result has effected my quality of life. based on the items listed above and Equifax not investigating the items corrected and thoroughly, I have been denied for loans and employment opportunities based on their negligence. 

In addition, Equifax also violated the Fair Credit Reporting Act, which requires a credit reporting agency to provide a free credit report once every 12 months and to operate a central source - AnnualCreditReport.com - where consumers can get their report. 
However, until XX/XX/XXXX, consumers getting their report through Equifax first had to view Equifax advertisements, which violates the Fair Credit Reporting Act. I have been enrolled in their credit monitors service and as Equifax has stated that Equifax, between XX/XX/XXXX and XX/XX/XXXX, violated the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act by : Deceiving consumers about the value of the credit scores they sold : In their advertising, XXXX and Equifax falsely represented that the credit scores they marketed and provided to consumers were the same scores lenders typically use to make credit decisions. 
Equifax should be held liable for they predatory reporting practices