Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
FCRA Violation Dear CFPB Failure to Investigate a Dispute Customer Abuse Today after waiting on hold an hour and disconnecting I called back and answered all the security questions. The agent sent a text to my phone ( the phone listed on my credit report ) I was calling in from my home phone, which is the same number listed on my credit report. I verified my full Social Security number address and birthday. I answered a long list of security questions that were very confusing. 
I provided the front and back of my drivers license. However, the mail agent from XXXX insisted that I provide him with a selfie. I repeatedly said I felt very, very uncomfortable with it and he insisted I have to do the selfie according to the way that he wanted. It was extremely upsetting to me and felt like abuse. I let him know repeatedly that I was uncomfortable, but he said he could not take the investigation Unless I sent him my selfie Once he got all of my information, including the selfie, he then refused to do an investigation and said I have to mail everything in. It was extremely distressing. I dont know who Im sending these selfies to. I verified that I had definitely called Equifax. This is over-the-top and bizarre. Especially considering that I verified all that I needed for security purposes This is the latest scam that Equifax is doing to avoid doing investigations. Equifax and XXXX are not doing investigations at least not legitimate investigations and receive millions of dollars from their credit card companies. This makes having an accurate credit report completely impossible. We shouldnt have to send selfies to a XXXX guy Working for the company. Theres no place in the constitution are in the laws of 15 USC 1681 that says I need to send selfies to the overseas agent when I exceed all of the security requirements On XX/XX/year> I requested an investigation on four charge off accounts. There are still an accuracies on the four charge off account. 
In XXXX, I requested reinvestigation of the 4 charge offs on my account. This is for 2 XXXX XXXX accounts, XXXX XXXX XXXX  and for the XXXXXXXX XXXX for the inaccuracies on each. After two chances of them to do investigations, they have not done any legitimate investigations in the inaccuracies remain on the account. 
Under the XX/XX/XXXX new law regarding medical debt, Equifax was advised that they are to remove this medical debt. I am offering to provide proof of the medical status however they have not responded. That is why I called them today and wasted three hours of my time and was exploited by the company. 
Requiring selfies is bizarre and is not required with XXXX. Equifax is pretending to be overly concerned about security as an excuse to not do investigations. 
My 4 charge offs have not been investigated and I am humiliated daily from having medical debt of XXXX on my credit report Equifax had violated FCRA laws and the new Medical Debt laws I am demanding that Equifax remove the four charges offs that they failed to investigate : 2 XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX for failing to investigate and for their refusal to investigate a dispute from their call center

Company response to consumer: Closed with non-monetary relief