Consumer complaint received 2024-03-12
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. (IL)

On XX/XX/XXXX, I mailed Equifax a letter disputing information contained in a consumer report compiled, maintained, and published by Equifax alleging regarding the XXXX XXXX XXXX account number XXXX ( according to the letter they sent me ). A dispute letter and supporting documents were mailed via certified USPS mail on XX/XX/XXXX and ( per their website at my.equifax.com ) submitted on XX/XX/XXXX, and the investigation was completed on XX/XX/XXXX. Accordingly, per the Fair Credit Reporting Act ( FCRA ) Equifax is required to conduct a reasonable investigation and delete the disputed information as requested before the end of the 30-day period of the date on which they received my disputed letter. Equifax submitted my dispute letter on XX/XX/XXXX. Therefore, their response was due on or by XX/XX/XXXX. Instead of sending me a response letter with the results of the investigation of the disputed information related to the XXXX XXXX account, Equifax mailed me a letter dated XX/XX/scrub>XX/XX/XXXX claiming the disputed item is not reporting on your Equifax credit file. They listed information gathered from the supporting documents. However, the XXXX XXXX account is listed in the following page as verified as accurate. The investigation is closed and according to your Customer Service Representative, it can not be reopened. Clearly, Equifax has willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, Equifax willfully failed to conduct a reasonable investigation of my dispute. However, their excuse or assumption is not valid reason under the FCRA to not reinvestigate my dispute. Note, Equifax has not made any reasonable determination that my dispute was frivolous or irrelevant. Nor has Equifax sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and/or accuracy of information contained in my consumer file. 
As per the FCRA, the failure of Equifax to reinvestigate is an intentional and/or negligent FCRA violation . 

Additionally, as per the FCRA, Equifax is liable to me for damages for their conduct. 

Equifax is not conducting investigations and they are reviewing documents they receive from me, the consumer. 

I sent over 40 pages of documents to Equifax to dispute a fraudulent account ( XXXX XXXX ) on my credit report. 

1. Included in the documents were a copy of my driver 's license and a W2 form with my social security number as proof of my identity. I also submitted a police report and identity theft report. Equifax is requesting I send the same information again instead if reviewing records they already received. Equifax is going in circles as far as requesting and obtaining the same information repeatedly. 
2. Equifax claims they can not find my credit file although they have sent me multiple letters in response to various disputes. Attached is part of a letter they sent. They are contradicting themselves. 
3. Equifax sent a letter stating I requested they " block '' information on my credit file. I requested a " deletion '' of a fraudulent account and items they can not verify. 
4. Instead of using 30 days allowed to investigate a dispute, they closed it in 4 days, " investigated '' information in the supporting documents, ignored the disputed XXXX XXXX account, and state the account was verified. 
5. All 3 credit reporting agencies should have the same information. The XXXX XXXX account has been deleted by XXXX and XXXX.