Consumer complaint received 2021-07-22 00:00:00
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.
State: FL

Complaint narrative:
CFPB you are responsible for investigating this company. I am not going to stop going after EQUIFAX until this is resolved. MY NEXT STEP IS LAWSUIT. This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response. 

EQUIFAX DID NOT DO WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT- STILL ILLEGALLY REPORTING ADDITIONAL COMMENTS THEY DID NOT INVESTIGATE ANYTHING, I HAVE PROVIDED MY PROOF AND ASKED FOR THEIRS, THEY REFUSE TO ESTABLISH THEIR PROOF OF VERIFICATION FOR THE ERRORS. BECAUSE IF THEY ACTUALLY INVESTIGATED THEY WOULD SEE THEIR OWN ERROR AND NOT BE REPORTING THE WAY THEY ARE. 



XXXX-To date this year 2021 I have sent 6 formal and detailed disputes with Equifax via mail regarding 13 different inaccuracies and wrongful reporting. Additionally I have tried to dispute online but with difficulty and no resolution. I've logged over 19 hours on the phone with this company in an effort to resolve. The agents like clock work will look for a reason not to talk to you, will drop the call and put you on lengthy holds before ending the call. There's no reasonable effort at all made by Equifax to speak to a consumer. My credit file is also a SPLIT FILE, and they will not resolve this. Because my file is split I have extraordinary challenges to speak to someone and I am always given scripted responses vs any resolution. I have requested their executive team and have been denied access. I have requested supervisor attention as nearly every single tradeline reporting is inaccurate. I have gotten no help at all from Equifax. I have been grossly ignored. Despite more than 150 pages of documentation sent since XXXX this year. Equifax has not responded to these several notices of inaccuracies under the FCRA to the disputes sent to them and has given me above normal challenges in getting the information corrected. These egregious errors cause significant hardships in obtaining credit and I seek help from my state and federal offices in enforcing the laws that Equifax continues to ignore. I am also a victim of their fraud and data breach so you would think this would be a motivating factor for them. Equifax seems to be given excessive privileges in facing corporate America and is abusive without limitations in practice to the consumer. I seek urgent remedy and support from my state and federal government in facing this giant as they have ignored my reasonable efforts. 

ATTACHMENTS XXXX ( 397.9 KB ) XXXX ( 223.7 KB ) XXXX ( 4 MB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 37.4 KB ) Company response is in progress as of XX/XX/2021 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response. Thanks CFPB for nothing. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This company still isn't reporting anything accurately. It's unlawful to project their legal obligations onto another company/entity. I have provided sufficient proof in my disputes. They willfully choose to ignore the laws and their responsibility to the laws that govern their business. My credit score is 60-100 pts lower than it actually should be due to their negligence. The still haven't resolved a single thing, and are simply responding. Their investigation is closed and nothing was resolved. I have sufficient proof to their negligence and will now have to sue for a response. Thanks CFPB for nothing. 
EQUIFAX DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT- STILL ILLEGALLY REPORTING ADDITIONAL COMMENTS THEY DID NOT INVESTIGATE ANYTHING, I HAVE PROVIDED MY PROOF AND ASKED FOR THEIRS, THEY REFUSE TO ESTABLISH THEIR PROOF OF VERIFICATION FOR THE ERRORS. BECAUSE IF THEY ACTUALLY INVESTIGATED THEY WOULD SEE THEIR OWN ERROR AND NOT BE REPORTING THE WAY THEY ARE.

Company response to consumer: Closed with explanation