Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am a victim of XXXX XXXX and despite being informed and given the proper documentation, Equifax is not willing to block the adverse information in compliance with the FCRAs procedures. I have submitted the necessary documents multiple times. In that time, I have been told that the document is invalid and that I need additional information but no one will explain why the document is invalid although It is within the FCRAs legal documentation requirements for this matter. Also, no one will explain to me what else I can give as additional information. I have provided everything necessary by law and whenever I ask what else is being asked of me, no one can tell me. The FCRA clearly states that the company must provide a written description of the steps that were taken to validate a document if it is rejected by the agency in regards to XXXX XXXX. The FCRA also states that the agency must give the consumer a chance to rectify the issue. The FCRA goes on to say that the agency can only ask for additional information in limited circumstances. According to the FCRA, A consumer reporting agency may decline to block, or may rescind any block of, adverse items of information resulting from a severe form of XXXX in XXXX XXXX XXXX XXXX, in accordance with the timing requirements under paragraph ( e ) ( 2 ) ( ii ) of this section, only where the consumer reporting agency can not reasonably confirm the appropriate proof of identity under paragraph ( b ) ( 1 ) of this section for the consumer, and, if applicable, the consumers representative, the consumer can not provide documentation consisting of a victim determination under paragraph ( b ) ( 6 ) ( i ) of this section, or the consumer reporting agency can not properly identify the adverse items of information under paragraph ( b ) ( 6 ) ( ii ) of this section. A consumer reporting agency may not, however, decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumers representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX documentation as defined in paragraph ( b ) ( 6 ) of this section. My documentation has been validated by the XXXX XXXX XXXX, a government XXXX, with Equifax through email. There is absolutely no valid reason why the documentation should be invalid considering it meets the FCRA requirements for submission and because of this, it was validated by Equifax in XXXX of XXXX Equifax is also not giving me a fair chance to rectify the situation because they are simply saying I have to provide additional information but they will not tell me what else I can include. I have provided the documents that were sent to Equifax in this complaint. I am requesting that Equifax, per the FCRA, provide a written description of the steps that were taken to validate my documentation. I am also requesting that Equifax provides a written description explaining how my documentation is not in compliance with the FCRA.