Consumer complaint received 2024-06-29
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. (PA)

This morning I received two letters from Equifax ( dated XX/XX/XXXX ) asking me to provide identification and current address information for an account I have been disputing with them ( XXXX XXXX ). I have sent this information over to Equifax now twice, they responded saying it was not eligible. I called today ( XX/XX/XXXX ) and spoke with an agent ( a female named XXXX I think, she was ineligible and talking swiftly when she introduced herself ) who clarified they need this information again because the prior ones I sent were ineligible. The same documents I have sent to other credit agencies, to rent reporting apps, and to other lenders that required them all via email/portals. No one else has found my documents ineligible, only Equifax. If you can not read these your company or home agents may need new screens or personal glasses. I am re-sending and taking new documents as well. Two of each category to further help you identify me, even though I am disputing a closed paid charge off account that you have full records of and have criminally changed and fraudulently put into a current delinquency status to this day! I am the legitimate owner of this account and this is not a case of fraud, what fraudster would try to fix inaccuracies on a victim 's credit report? Doesn't make sense, only fraud going on is your data breach which opened up my personal information to actual fraudsters and had my XXXX XXXX debit account and XXXX Credit Card compromised. Still in the process with XXXX  to this date, XXXX sent me a new debit account a few months earlier in XXXX or XX/XX/XXXX. 
You re-investigated this more than once as well ( you keep verifiying my account as accurate and verified by creditor even though you put false information on there. clearly demonstrating you are not trying to update my report accurately by the FRCA guidelines but you are actually hurting me and my consumer rights and credit report ), so I don't know how you can't verify anything and change your false and consumer violating reporting of my account that you recently changed and reporting. I have been denied two credit cards and a loan recently because of your false " verified as accurate '' reporting, I was able to receive a {$17000.00} loan ( my asking amount ) from my XXXX  credit union this week because I've been banking with them almost 20 years and have a good relationship with them and I froze my Equifax report so they wouldn't see any current fake and false debilitating data that already caused wrongful denials of credit I am more than qualified to obtain. Attached are the documents you require again, keep my information safe and I look forward to your next findings of this account. I want to see how many times you will continuously report fake and damaging information on my credit report that WAS NOT furnished or verified with the original creditor as you have stated but you verify as correct. I want to see how far this will drag out before I proceed with legal actions to collect the money for your violations. I assume the longer this account stays on my report and the damage it is creating for me, the more I am entitled too. I have my proof of your changes I sent in the prior disputes, as well as proof of denials from my pre approvals and applications along with the reasoning for denial ( Equifax reporting current late payments and current charge off ). You may do what you have been doing and erase certain information from the XXXX account instead of deleting the whole account with all it's inaccuracies and the manufactured info you added but the damage has been done. You have violated me and my consumer rights throughout this whole process, I will also put in a complaint with the BBB as well ( I thought the CFPB was a mediator to protect consumers against unlawful practices, I see that is not the case entirely, no involvement, I assumed their involvement and that was foolish on my part ) for your negligence and incompetence. I will sit patiently as you finish my disputes for this XXXX account XXXX. If this is not removed COMPLETELY from my Equifax credit report, I will seek legal recourse, compensation for legal fees if applicable, monetary and punitive damages for myself and my family members who are also effected and still will get this account removed one way or another since it has never been factually verified as accurate through every dispute. If so then where is the proof that this PAID OFF, CHARGED OFF, CLOSED account as of XX/XX/XXXX has been changed by you to report as currently unpaid charge off and adding over a year worth of lateness to the account as well. XXXX furnished you this information, right? Send it to me immediately so I can take them to court for these falsities instead. Otherwise I am coming for you ..Equifax, as stated earlier for deceitful practices and violations. You may use the provided documents for any and all disputes you receive from me, including the name dispute I have open with you too. I have disputed an old fraudulent name on my report that a family member used to defraud me. That name is no longer tied to any accounts and never been associated with me ( did not want to report or press charges on a family member, especially in this court system ), use this information as well to remove the name. It comes up in my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX