Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

FOR YEARS EQIUIFAX HAS BEEN TELLING ME THAT I AM UNVERIFIABLE AFTER I SENT IN PROOF OF MY IDENTIFTY TO SEVERAL EQUIFAX DEPARTMENTS. EQUIFAX NON COMPLIANCE AND NEGLIGENCE HAS VIOLATED MY CONSUMER RIGHTS. I have been denied for credit products from Equifax falsely reporting information that is preventing me to better my life and financial abilities to be qualified for a first time home buyer for my family. I have struggling with Equifax inaccurate reporting for several years and has been beyond patient awaiting Equifax to resolve this damaging issue to my livelihood. Equifax is causing my health to fail from the damages being done by inaccurate reporting on my credit report. Speaking with several Equifax representatives over the years all tell me that they don't know why I am unable to be approved is unacceptable after all the major data breahc I still did not get any relief from Equifax. Today XX/XX/XXXX I was speaking to a representative trying to confirm that my documentation was recieved via mail for the 12th time and the representative was extremely rude and threatened me over the phone that I could not call and ask tos peak with anyone else. If he said there is nothing on my credit report then that is what I have to believe and he refused to allow me to speak with his superior management. He refused to disclose his name to me so the entire call. He raised his voice telling me that he already told me there is nothing on my credit file so that's it and he will end the call on me. After the terrible threats I endured I attempted to explain that several representatives have explained to me that they see nothing and others have seen freeze internally. He firmly and rudely yelled and said No No No what did I say. I said thre isn't and he did not wish to resolve my concerns or allow me to speak with anyone else at his company. This is was absolutely damaging to my FCRA rights. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly.

In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document XXXX, XX/XX/XXXX, XXXX, XXXX of XXXX XXXX information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. That approach is consistent with the statutory scheme and longstanding agency guidance.