Consumer complaint received 2015-10-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

Equifax Information Services , LLC violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax Information Services , LLC failed to : ( 1 ) use reasonable procedures to assure maximum possible accuracy of the information in its credit reports under15 U.S.C. 1681e ( b ) ; ( 2 ) " 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 '' when information is challenged by a consumer under15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Equifax Information Services , LLC violated the Fair Credit Reporting Act section 611 ( a ) ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 
Equifax Information Services , LLC 's violations of the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and 611 ( a ) ( 7 ) are documented as follows : Exhibit A : I sent a written correspondence notice of disputes via Certified U.S. Postal Mail datedXX/XX/2015 to Equifax Information Services , LLC . Said correspondence outlined my disputes regarding XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. In-addition to said outline I also enclosed with my disputes a statement from XXXX XXXX XXXX XXXX which it submitted to the federal regulator Consumer Financial Protection Bureau as evidence. XXXX XXXX, XXXX clearly stated within said document submitted as evidence the following : " we had one account in our office ''. XXXX XXXX, XXXX has thereby stated to a federal regulator agency ( Case Number XXXX ) only one collection should be listed on my credit file. 
Equifax Information Services , LLC violated the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Equifax Information Services , LLC did not conduct any investigations regarding my disputes. For I submitted my correspondence notice of disputes dated XXXX XXXX, 2015 with supporting evidence dated XXXX 2015 from the federal regulator agency Consumer Financial Protection Bureau containing XXXX, XXXX statements it submitted as accurate to a federal regulator. 
These are clearly violations of the Fair Credit Reporting Act, for Equifax Information Services , LLC did not use reasonable procedures to review nor investigate materials submitted by a consumer as direct evidence supporting a consumer 's disputes. 
Equifax Information Services , LLC did not provide any response to my written correspondence notice of disputes ; all of which are violations of the Fair Credit Reporting Act and other applicable state statutes. 
Exhibit B : I sent a written correspondence dated XXXX XXXX, 2015 via Certified U.S. Postal Mail to Equifax Information Services , LLC . The written correspondence requested information under FCRA section 611 ( a ) ( 7 ) regarding accounts ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX ) continuously being reported on my Equifax Credit File even after Equifax Information Services , LLC failed to investigate and respond to in disregard to the requirements of the Fair Credit Reporting Act. 
Equifax Information Services , LLC did not provide a response as required under the Fair Credit Reporting Act section 611 ( a ) ( 7 ). For, Equifax Information Services , LLC did not provide any required information ( no procedural information regarding method of verification of accounts provided, etc. ) all in violation of the Fair Credit Reporting Act section 611 ( a ) ( 7 ). 
Exhibit C : Equifax Information Services , LLC 's violations of statutes resulted in credit denials and etc.