Consumer complaint received 2023-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Hi CFPB, The purpose of this letter is to get clarity about Equifax. I have sent correspondence to Equifax 3 times within the las month. I have also attempted to call Equifax today. The call was pointless because Equifax claimed that I needed to send the correspondence again because they didn't have a record of receiving anything from me. 

My initial first attempt to reach Equifax was sent at the beginning of XXXX. I attempted to dispute items and request verification of the items. The letter was mailed with signature confirmation which it shows that a representative signed for the package XX/XX/2023 at XXXXXXXX XXXX. XXXX  XXXX  signed for this package on this date. USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX I received a card from Equifax stating that Equifax could not locate a credit file for me. I sent a letter again to Equifax questioning the findings. Equifax received this package and signed for it XX/XX/XXXX. XXXX  at XXXX XXXX. Signed by XXXX XXXX USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX The same information was sent to XXXX and XXXX. I have received correspondence from both credit bureaus, and both disputed items were deleted. 

Below you will find all correspondence sent to Equifax. Equifax does not have a record of packages sent and signed for by XXXX XXXX. Equifax also does not have any record of the document that i received from them. Please inform me of any documents that I may need to scan, email, or fax. 

Equifax XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/2023 Hi, As mentioned in a letter sent previously these items should be deleted. 

I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when you sent documentation stating Equifax was not able to locate a credit file for me for one of the following reasons : I have not applied for credit recently, I have not actively used credit in the past 10 years, or I have not lived in the United States or have not been issued a U.S. Social Security Number. 

However, these items remain on my report after being deleted from XXXX and after you sent documentation stating Equifax was not able to locate a credit file. Documentation provided within this letter. All letters sent to your agency can be found within this envelope as well : ( Initial dispute ) Let me be clear, this is NOT a disputeso DO NOT " auto-verify '' my request. I recently disputed the validity of an account that was being incorrectly reported on my credit profile. It was no surprise that the other credit bureaus deleted the account due to their inability to properly verify it, but you have these accounts as on my credit report. This is confusing to me.

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then you should be able to provide me with the information that you used to verify the account. The information obviously doesnt exist, and Im sure you used e-Oscar to verify the account and update the info, but I want to remind you that in this is what the bureaus got in trouble for in the cases for Cushman v TransUnion , Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax XXXX 

Again, I encourage you to send proper documentation and avoid e-Oscar/auto-verify during your investigation of the below accounts. This is a reminder that 30 days expired, and these should be removed from my credit report. In addition, XXXX has deleted this false account from my report. The report can be found inside the envelope. 

Sincerely, XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) on my credit report. I was confused when you sent documentation stating Equifax was not able to locate a credit file for me for one of the following reasons : I have not applied for credit recently, I have not actively used credit in the past 10 years, or I have not lived in the United States or have not been issued a U.S. Social Security Number. 
Somehow there are several items on my credit report that are not correct. I received the following response stating that you were unable to locate a credit file. These items should be deleted. The disputed items are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used?

As you know, in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet ( Equifax ), the courts ruled each and every time that the CRA couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the e-Oscar system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/2023 Hello, This is a formal complaint because I am extremely upset and confused that you have included information below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have 30 days to complete your investigation. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX