Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

XX/XX/2020 To Whom It May Concern : I have two complaints to submit about Equifax. On XX/XX/2020, I sent a letter ( see Equifax Dispute 1.pdf ) disputing seven accounts I believe to be reporting inaccurately on my credit report. I sent this letter to Equifax by certified mail ( see Equifax Certified Mail Receipt.pdf ). Through USPS tracking, the letter was confirmed received by Equifax on XX/XX/2020 ( see Equifax USPS Tracking Results.pdf ). On XX/XX/2020, I received, by mail, a letter with the results of their completed reinvestigation. However, Equifaxs letter of their completed reinvestigation is dated XX/XX/2020 ( see Equifax Response 1.pdf ). Therefore, my first complaint is that Equifax failed to respond to me with the results of their reinvestigation within 5 business days, which is a violation of FCRA 611 ( a ) ( 6 ) ( A ).

Secondly, in my dispute letter, I specifically requested that Equifax provide me with a copy of any verifiable proof bearing my signature that they have on file for the accounts being disputed. Not only did Equifax not provide me with any documentation, their response did not address the very concern of my dispute, which is the accuracy of the data being reported. Under FCRA, 15 U.S.C. 1681 e ( b ), and MCCRA, Mass.Gen.Laws ch. 93, 54 ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report. As the courts have ruled ( Ex. Richardson v. Fleet ), during a reinvestigation, Equifax is required to conduct an independent investigation and inquire beyond the original source of information. Equifax marked their reinvestigation complete only three days from first receiving my dispute. Given the timeframe ( 3 days ) in which Equifax completed their reinvestigation and the absence of any verifiable proof that I requested for seven accounts in question, how can Equifax say that they have followed reasonable procedures to assure maximum possible accuracy of the information in my consumer report?

Since Equifax has neglected to reinvestigate my accounts thoroughly by providing me with verifiable proof bearing my signature and has neglected to provide me with a response of their reinvestigation within 5 business days, they have violated FCRA and MCCRA. Therefore, I demand for the immediate deletion of the accounts being reported inaccurately as originally requested in my dispute ( again see Equifax Dispute 1.pdf ). Needless to say, my credit score is very important to me and I believe it is being unfairly and negatively impacted as a result of these errors and hurting my ability to obtain credit. Failure to respond satisfactorily would be a continued violation of FCRA 15 U.S.C. 1681 e ( b ), and MCCRA, Mass.Gen.Laws ch. 93, 54 ( b ). These violations, whether negligent or willful, subjects Equifax to liability for damages, which I may seek, for each violation.