Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Please allow me to start by saying this is the second time I have submitted this dispute. The first one for this particular dispute was on XX/XX/year> and I do not know why its not showing in my portal on cfbp since it was submitted and saved. It was a screen that said you finished now its saying cant find your complaint. 

Subject : Complaint Regarding Denial of Trafficking Claims and Disputed Items Removal To Whom It May Concern, I am writing to formally file a complaint regarding the denial of my trafficking claims and the subsequent refusal to remove disputed items from my credit report. Despite following all outlined procedures and providing the required documentation as per your guidelines, Equifax has unjustly denied my requests and has caused unnecessary delays and obstacles. 

On XX/XX/year>, I submitted a comprehensive package of documentation which included : 1. My passport 2. Two separate determination letters from authorized NGOs 3. A notarized copy of the self-attestation form 4. A copy of Regulation V Despite submitting all required documents, Equifax did not accept them. Subsequently, I spoke with a representative over the phone on XX/XX/year>, and was instructed via DocuSign to provide additional information. In compliance with this request, I sent a copy of my drivers license, two determination letters from NGOs that can be verified, and another copy of Regulation V. 

On XX/XX/year>, Equifax notified me that my request was denied because they claimed to have sent me two notices and received no response. This claim is inaccurate. I have repeatedly contacted Equifax, including multiple phone calls on recorded lines, and have email correspondence with XXXX XXXX that proves ongoing communication before the denial notice was issued. 

In Equifax 's notice, it was stated that I was unable to resolve issues in sufficient time for them to complete my request. This assertion is unfounded as I have provided more than adequate proof and have complied with requests for information. Furthermore, the requirement for " updated determination letters '' is unreasonable given that these letters I submitted do not have an expiration date and Equifax has not specified what additional information they require. Additionally, they are saying my determination letters are unverifiable which is also incorrect because the contact information for both organizations is on each letter. 

I would like to draw your attention to the rights and laws that support my complaint : 1. **Fair Credit Reporting Act ( FCRA ) - Section 605C** : This section mandates that consumer reporting agencies must block information in a consumer 's file that resulted from trafficking within four days once the consumer submits appropriate documentation. I have provided all necessary documents, yet Equifax has failed to fulfill this obligation, causing unnecessary delays and obstacles. 

2. **Regulation V** : This regulation outlines the requirements for consumer reporting agencies to respond to and resolve disputes. Despite submitting comprehensive documentation as outlined by Regulation V, Equifax has not acted in accordance with these requirements. 

Additionally, I am aware of my rights under Texas law regarding phone recording. According to Texas law, I have the right to record my own phone calls. Equifax records calls without my consent but refuses to complete calls with me on a recorded call when I say I am calling on a recorded line. However, when I say that I do not consent to being recorded they continue recording any way. My recorded calls are necessary for my records, consumer rights and for quality control purposes. It is an unfair practice to record my call and hang up in my face if I dont consent and that is what they did. 

During several calls, I have been given incorrect information, and XXXXquifaxs website asks for specific information that I have provided, yet Equifax refuses to accept what was reasonably sent based off of thier own rules on thier website. I have already sent a FCRA Section 605C notarized self-attestation letter and proof of identity, which is sufficient, and yet additional information was sent so they dont have any excuses not to correct the matter but they denied my rights anyway. The continuous requests for updated determination letters are unjustified, especially since they are valid by the rule and these letters do not expire. 

Equifaxs repeated requests for redundant or unreasonable information and the failure to specify the required documents are clear violations of these regulations. I request immediate action to correct these issues by removing the disputed items from my credit report as mandated by Section 605C of the FCRA and Regulation V.

I expect a prompt and satisfactory resolution to this matter. 

Sincerely, XXXX XXXX What was sent to Equifax : 1. Passport ( July 1, 2024 ) 2. Determination letters from valid NGOs ( 2 ) ( sent both twice ) 3. Notarized self-attestation form ( XX/XX/year> ) 4. Regulation V ( sent twice ) 5. Copy of driver 's license ( sent as Equifax request for additional information ) Attached to this complaint : 1. Confirmation of Correspondence before denial 2. Requirements from Equifax Website 3. Record calls available upon written request 4. Equifax Denial Letter