Consumer complaint received 2019-10-16 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: VA

Complaint narrative:
Not only the investigation took more than 30 days which a fact but worse than not now became an issue that the CFPB must look at it. Equifax lied and cheated government, public and mu person by saying : COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. 
Not of that said by Equifax was done. No investigation result received, no notice of investigation received and no credit report received and all to my home address XXXX XXXX XXXX XXXX XXXX VA XXXX, it is clear the participation of this credit bureau in damaging my reputation and destroying my well being and in directed retaliation against me as I detailed in different accounts within CFPB. 
Equifax violated FCRA, privacy and other applicable laws or regulations in my case. 
Factual Background : my XXXX XXXX XXXX credit account number XXXX ( account ending in XXXX ) which I opened on XXXX of year XXXX with credit line of {$5000.00} shows on my credit report as closed which is something I rejected it to those concerned and I also have a legal dispute about it and other issues and with XXXX XXXX XXXX not only as their customer but also as an employee of that bank. The innacuracy is the wrong information shown on a new XXXX XXXX XXXX account number different from the above ( I will name it : cover-up Account ) which is under my Information and XXXX XXXX XXXX was noticed or informed of my rejection of its existence and I believe it is a fraudulent Account opened intentionally by XXXX XXXXXXXX XXXX.opening the cover-up Account is fraud and this is a different subject in different case not the primary subject of this complaint which I described above XXXX I believe XXXX XXXX violated the above referenced consent order to open an account with my information and against my will. The cover-up account was opened under my information but against my will,, that is a fact that is not what I disputed with you credit bureau. I further informed you in my dispute that XXXX XXXX account shown open now in my credit report ( or the cover-up account ) never existed and/or recorded in any of my credit reports or my XXXX XXXX bank statement at any time prior to the month of XXXX of this year XXXX and there is no way you can prove the opposite of this fact.. It is innacurate Information that cover-up Account is shown now in my current credit report with you as an account that was opened before this year of XXXX. Indeed, that is inaccurate and after I disputed it is still on my credit report as if it was opened in year XXXX or before year XXXX knowing it never existed before XXXX Isnt inaccurate to say that account was opened in year XXXX and it was not.For the credit bureau now and again through the CFPB platform and in this complaint against you, please delete the inacurate information and make sure a complete information is recorded on any of my accounts within your credit bureau. Just deleting when an account opened without further completeness is still in violation the FCRA. You didnt do anything about the inaccurate information as a credit bureau and it is your obligation .For XXXX XXXX bank XXXX you committed fraud against me by opening that account ending in against my will and reporting it the way it is now on my credit report, with inaccurate information meant to cover up your other violations against me but you are to stay assured that you will be held accountable in court. Both the credit bureau and XXXX XXXX XXXX are conspiring against my person. The credit bureau insisting to keep inaccurate information to cover up XXXX XXXX XXXX fraud againt me is illegal. Each one of you is to assume the full legal consequences of your actions that I believe you did againt me in violation of the law. whether you are XXXX XXXX XXXX or the credit bureau you are responsible for the accuracy of my information by law especially when I disputed an inaccuracy and/or incorrect information about me and within you control and I proved to you by evidence that account information is inaccurate and/or should never existed XXXX You are obligated to correct the inaccuracy which I believe is Fraud for your knowledge that is wrong and you insist to keep it. I believe you are violating my rights and with recklessness and you were given many chances and enough time but you failed to comply to law and respect your obligations toward my personal data or my information. You must comply to the law XXXX XXXX XXXX and the credit bureau. You are going to be sued and no one will stop that without returning to me or my representative and without Waiving my rights and all my rights reserved to me or my representative. I consent to the CFPB to view my credit reports before this year XXXX and the current one with the inaccurate information as detailed above. The violators has access to what they need to comply with the law and stop their retaliation and harassment almost in daily basis and againt a singled man but protected by law and before that by XXXX 

Equifax must respond by answering to why it didnt conduct its investigation and follow ups as it promised? Why it keeps discriminating against me? 

Equifax was provided constructive and very informative details and even with files. 

Very Respectfully, The complainant Today is XXXX XXXX

Company response to consumer: Closed with explanation