Consumer complaint received 2023-09-27
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. (IN)

XX/XX/2023 I disputed incorrect information on my Equifax report via certified mail. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. I then called Equifax and they said that I need to resend the information. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

I then re disputed the incorrect information on my Equifax report XX/XX/2023 via certified mail again. The documents I sent included a legible copy of my valid Indiana Driver License and legible copy of my official social security card. 

Equifax did not complete an investigation and instead sent me a letter dated XX/XX/2023 stating that they need a copy of my driver license and social security card which was already sent. 

This is absolutely insane and appears to be clear cut violations of 15 USC 1681i ( Fair Credit Reporting Act ) for failure to investigate. 

A VERY basic investigation would prove I sent the required documents MULTIPLE times and Equifax REFUSED to investigate.

15 USC 1681i ( a ) ( 1 ) ( A ) states " ..the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) ( Fair Credit Reporting Act ) I therefore respectfully request that all items being disputed be deleted from my Equifax Credit report immediately. 
The erroneous accounts are attached in the uploaded documents and include : XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX {$390.00} XXXX. XXXX  {$1300.00} XXXX. XXXX XXXX. XXXX {$590.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$990.00} XXXX. XXXX XXXX {$4100.00}