Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Subject : Second Complaint Against Equifax for Violation of Federal Law and Failure to Respond to Dispute Dear Sir/Madam, I am writing to file a second formal complaint against Equifax for its violation of federal law and failure to respond to my dispute regarding an inaccurately reported BANKRUPTCY - DOCKET # XXXX on my credit profile. This complaint is submitted in accordance with the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, Section 1681. 

Background : On XX/XX/XXXX with tracking and confirmation, I submitted a dispute letter to Equifax regarding a bankruptcy ( Docket # XXXX ) inaccurately reported on my credit profile. I have enclosed proof of sending my dispute via certified mail, with tracking information showing receipt and acknowledgment but the card I got back in the mail showed it wasnt signed till XX/XX/XXXX by the Equifax employee XXXX XXXX. 

Despite providing clear copies of my driver 's license and social security card with my certified mail dispute, Equifax also got a copy of my Driver Licsense and Social Security card with the CFPB complaint, the XXXX complaint and the Georgia Attorney General Complaint. Equifax sent a stall letter on XX/XX/XXXXXXXX XXXX XXXX falsely claiming that I have not provided proof of identity. 
Violation of Laws : Equifax 's issuance of a stall letter, claiming a lack of proof of identity, is a violation of the Fair Credit Reporting Act ( FCRA ), as I have provided such proof through multiple channels, including certified mail, CFPB, and XXXX  complaints. 
Equifax has exceeded the 30-day limit to respond to my original dispute, further violating the FCRA. 

As of my previous correspondence, I have provided evidence from the bankruptcy court verifying that the information does not pertain to me. Per the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 5 ), if the credit bureau can not validate information with the original furnisher, it must be removed from the consumer file. XXXX has already taken prompt action by removing and permanently deleting this bankruptcy record from my credit file last month. 

I am resolute in my belief that Equifax has failed to employ reasonable measures to ensure the accuracy of my credit reports. Your recent stall tactics, including the issuance of a form letter dated XX/XX/XXXXXXXX XXXX XXXX are further delaying the resolution of this matter. I recognize that disputes can be cumbersome and costly, but Equifax must adhere to the provisions outlined in the FCRA. 

Your recent stall tactics, including the issuance of a form letter dated XX/XX/XXXX, are further delaying the resolution of this matter. Please be advised that this letter is dated XX/XX/XXXX, and I insist that you continue to process my original dispute dated XX/XX/XXXX. I am legally and lawfully resuming your " form letter '' dated XX/XX/XXXX, which grants you 15 days for resolution rather than the standard 30 days. 

I am both annoyed and outraged at the accusation leveled against me, and I have diligently researched my legal rights in regards to credit reporting. I demand the immediate expedited handling of my original request, and I expect results within 15 days from the date of this letter. 

Failure to comply with this request will be viewed as a continued violation of the FCRA, and I reserve the right to pursue legal action against Equifax for its non-compliance.