Consumer complaint received 2022-06-30
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. (GA)

PLEASE HELP!!! 

This complaint is in response to complaint XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Equifax for committing identity theft. I never gave Equifax any permission to use any of my identifying information to furnish anything on my consumer report. In my previous complaint XXXX I stated that Equifax was reporting a fraudulent furnish account on my consumer file. I also provide Equifax proof my the alleged identity theft. Equifax responded stating " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. I XXXX XXXX being the consumer informed Equifax that they were inaccurate items on my report and instead of doing a reinvestigate Equifax stated that Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX  XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. So Equifax was unfair and the Federal law stated that the credit reporting agencies must report with accuracy. How are they being fair if the are saying hey you previously disputed this and we already provided you are response and they are only speaking to the financial institutions Equifax is saying we complete this dispute once so refer back to those results.Equifax placed this Fraudulent account on my consumer file I would like to know how again who did Equifax speak with to provide proof that they know for a fact that I sign or made a agreement with XXXX XXXX Equifax is going off hearsay. Equifax has no valid proof of the allege debt. I request that Equifax provide me with the name of who they spoke with such as a neighbor, friend or associate. IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS : UPON RECEIPT OF YOUR DISPUTE, WE FIRST REVIEW AND CONSIDER ANY RELEVANT INFORMATION YOU SUBMITTED REGARDING THE NATURE OF YOUR DISPUTE. Equifax stated that they consider please provide me where in the FCRA that it states that a credit reporting agency can consider a consumer providing you a identity theft report and you have a option to block the information.OFTEN, EQUIFAX WILL THEN TRANSMIT YOUR DISPUTE TO THE FURNISHER OF THE INFORMATION ( IE. THE BANK ASSOCIATED WITH A DISPUTED CREDIT CARD ) FOR REVIEW AND INVESTIGATION. EQUIFAX ELECTRONICALLY SENDS A NOTIFICATION OF YOUR DISPUTE, INCLUDING A SUMMARY OF THE RELEVANT INFORMATION SUBMITTED, TO THE RESPECTIVE FURNISHER. THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY. Again Equifax just stated how they are not reporting Accuracy and fairness of my credit report. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.