Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Dear Equifax and CFPB FCRA Violation Count 4 pertaining to the XXXX XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Failure to Investigate dispute, Failure to delete the XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I requested from Equifax a thorough and reasonable investigation on my XXXX XXXX XXXX XXXX XXXX XXXX charge off accounts In XX/XX/XXXX I asked for another investigation because in accuracies remained on the credit report. 
Both times Equifax claim they completed the investigation and stated that my XXXX XXXX XXXX account had been removed from the credit report Around XX/XX/XXXX after a six hour hold time I finally got to speak to an agent from Equifax who did a thorough review and it was determined that not only is the XXXXXXXX XXXX account still on my report but it was also determined that NO INVESTIGATION WHATSOEVER HAD BEEN DONE ON MY CREDIT REPORT. IT WAS ALSO DETERMINED THAT EQUIFAX HAD ALSO CHANGED THE NAME OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never been notified of this change and the change was done deceitfully for the purpose of avoiding doing an investigation. I was deceitfully told that the XXXX account was no longer on my report. This was said to me in response to the XX/XX/XXXX dispute request. To this day no investigation had been done on my XXXX Account. This is an FCRA violation. 15 USC 1681 states that if there is no investigation in 30 days, then it is to be deleted from the credit report. I was deceived into believing that it actually had been deleted from my credit report. Instead, they deceitfully changed the name and left out the word XXXX from the lenders name on my report. Please see my other CFPB complaints about the deceitful changing of the name on my report so I would not know that the XXXX Account IS still on my report. 
My previous complaint also brings to light that Equifax failed to notify me of the changing of the lenders name from XXXX to XXXX. 
XXXX and XXXX includes the XXXX XXXX on the report however XXXX has deleted the XXXX XXXX XXXX XXXX XXXX XXXX from my credit report Equifax had 30 days to complete the investigation but instead did no investigation on my XXXX XXXX XXXX XXXX XXXX  ) account. XXXX XXXX XXXX ( i ) provides that Equifax should have investigated the XXXX account or delete it within 30 days. 
They failed to delete it, and instead of just changed the name to XXXX XXXX XXXX without notifying The expiration date for the investigation or dispute was XX/XX/XXXX. Since they failed to complete the investigation before XX/XX/XXXX, then by law, they must deleted at once. They failed to delete the item and caused a FCRA viloation Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Delete the XXXX XXXX XXXX XXXX account from my credit report at once.

Company response to consumer: Closed with non-monetary relief