Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please see the attached letters. 
I mailed a certified document package that contain a cover letter and XXXX - XXXX pages of what accounts to dispute, requesting the dispute processed that was used to verify the information, and if I owed the information, send me all the detailed document information to prove that the account was mine, why was it re-aged, and etc. on XXXX XXXX, 2015. XXXX Receipts are on the letters XXXX XXXX Equifax, XXXX failed to provide me written documentation to acknowledge the receipt of my requests and the methods used to verify the accounts, and documentation requested within the XXXX day time frame. If they could n't adhere to my requests, them, I expected each one of the bureaus to let me know and they did not. Each letter, attached, explains my request for the items to be removed due to not being in compliance and it contains copies of my certified mailed receipts. 
For the XXXX XXXX Account, it was a secured card and sent the account to XXXX XXXX XXXX for collections. After, I called XXXX XXXX and explain that the account was a secured card account, they used my secured deposit to pay off the account and corrected my credit report and sent a notice to XXXX XXXX XXXX to remove the account and also indicate that the account was paid. XXXX XXXX XXXX can no longer collect, therefore, the credit bureau was supposed to update/correct/or remove the account. I asked this to be done during my dispute and it was n't. 
Today, I called XXXX Equifax, XXXX to informed them that they failed to respond in the manner that I requested to inform me of receipt of the documents, the dispute process, and my other requests. They acknowledge that they have my cover letter and XXXX pages of requests. They also acknowledge that they failed to respond. Due to the XXXX EquifaxXXXX not being in compliance with the Fair Credit Reporting Act, I requested for the accounts to be removed. They told me that they can reinvestigate. I told them that they should n't have to reinvestigate because they failed to comply with the Fair Credit Reporting Act. 
Therefore, I am requesting for the items to be removed from my XXXX credit files as requested. I have spent many days and hours trying to get this resolved. I also have my mortgage loan processor trying to work on this and his processor which is XXXX XXXX. XXXX XXXX and the loan officer told me to contact you. 
To verify the status of each account that I disputed, I personally contacted each XXXX of the creditors on the list/letter and they indicated that they do not have me in their system, but, can not provide me with a letter because I do not have an account with them. The credit bureaus claimed that they contacted the creditors. I know that they did n't investigate like they should have, because, XXXX was done in XXXX days. The customer service representative told me this. I have plenty of documentation to support this and I will seek to file this in court and seek damages if this does n't get taken care of through your organization. 
Thank you! 
The reason for the disputes is because I 'm trying to buy a home and needed my report to be cleaned up.

Company response to consumer: Closed with non-monetary relief