Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention an egregious issue I have encountered with Equifax concerning a dispute I filed and the subsequent investigation of that dispute. On XX/XX/2024, the dispute I mailed to Equifax concerning double reporting on my credit report was concluded between the XXXX and XXXX of XX/XX/2024. Following this request, Equifax conducted an investigation into the matter. 

However, despite the completion of the investigation, Equifax has failed to provide me with the results in a timely manner. When I contacted Equifax to inquire about the status of my dispute results, I was informed by a representative that they do not have to provide the results until 30 days after the investigation is completed, citing it as their policy. I have recorded a video where the representative explicitly stated this policy multiple times. 

Furthermore, this delay has caused me a significant amount of stress and mental anguish. The uncertainty surrounding the outcome of the dispute and Equifax 's failure to adhere to the legal requirements have exacerbated my concerns and affected my peace of mind in addition to health. As of XXXX XX/XX/2024, I still do not have the results of the investigation. 

Notably, both myself and my attorney have been eagerly awaiting these results as they are pivotal in the progression of our case. Equifax 's violation of the law by holding up this process has necessitated the initiation of a new case, which further exacerbates the strain on both myself and my legal counsel. 

In my attempts to expedite the resolution of this matter, I have contacted Equifax multiple times. On XXXX separate occasions, I spoke with representatives who assured me that they put in a request to send the results promptly. However, despite these assurances, the delay persists. Frustratingly, during my most recent interaction with a representative, I decided to record the conversation due to past disappointments and inconsistencies in Equifax 's promises. The representative states they have 30 days to mail out the results and that the results have not been mailed out. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to provide consumers with the results of an investigation within XXXX business days of completing the investigation. This regulation ensures that consumers receive timely resolution and are informed of the outcomes of any disputes they have filed. 

I am deeply troubled by Equifax 's blatant disregard for the FCRA and the impact it has had on my well-being, legal proceedings, and trust in the credit reporting system. 

Please conduct a thorough investigation into this matter and take decisive action to compel Equifax to provide me with the results of my dispute investigation without further delay. Additionally, I seek your guidance and assistance in addressing the emotional distress caused by this ordeal and the hindrance it poses to my legal proceedings. 

Thank you for your attention to this urgent matter.