Consumer complaint received 2019-04-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have tried to work this matter out since XX/XX/2019. I filled my original complaint on XX/XX/2019 case # XXXX. XXXX and XXXX  were unable to verify the accounts and removed the identity theft. Equifax removed all but to items and closed the case stating they verified them. But, once again I ask, how can they verify them and the other two bureaus couldn't? They clearly stated that they were sending a electronic message to the unknown creditors. Which is not a investigation per FCRA and unacceptable! 
I then filed a complaint regarding the investigation process and the verification and request that the proof be provided to me, per my legal FCRA RIGHTS! On XX/XX/2019 and Equifax closed the case as a duplicate complaint on XX/XX/2019. Because of the questions I directed to them and the documents I requested. 

I filed a new complaint on XX/XX/2019 with the exact same details regarding the investigation process results, verification and proof of the verification documents and stated that the 1st complaint regarding the investigation was being swept under the rug by Equifax and they were trying to disregard the complaint, because I asked for the proof! That filing was # XXXX and I received a update that it would be another 60 days and they were sending out a electronic request. 

Which is the same thing, they aren't doing a investigation and if Equifax just completed and verified the accounts. Why can't I get the proof positive i.e original document with wet signatures binding me to the debt? If they did the 1st investigation, the documents should be on hand and very easy to mail out the documents and this case is closed! But they do not have them nor have they ever had them and are playing cat and mouse with me verses being a honest company and abiding by the LAW! 

I came to the CFPB for assistance, I understand you can't act as a attorney for me, but you can ask the question where are the documents, if you verified the accounts and why is it that the documents can't be release right away, as you have a copy of them. If you verified the accounts! 

This is well after the 30 day mark, before the 1st complaint was closed out verified. That is a removal in itself and Then a closed out complaint as duplicate and now the new complaint has received the same generic response of working on it 60 days!!! 

I am not going away and using these filings for my civil law suite case. As documented proof that Equifax has violated all of my rights, entitled to me in the process and I will request financial damages, if this matter in now cleared up right away. This is my last complaint, my next complaint will be in Local, State or Federal once I decide which court offers me the greatest victory and has the proper jurisdication. 

I have been more the patient and fair!

Company response to consumer: Closed with explanation