Consumer complaint received 2024-02-04 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: DE

Complaint narrative:
I first disputed this account with Equifax in XXXX of XXXX, which included a written confession of my ex fiance admitting to opening these accounts in my name without my knowledge. Your response to me was I was not specific on which accounts. Again I disputed on XX/XX/XXXX I disputed these accounts with the specifics. In your response you stated you contacted the data furnishing company. In their response you stated their information to be accurate as reported. ( How was it validated? What connected me to these accounts? ) I requested a description of how the investigation was conducted along with the business name, address, telephone number and the person you corresponded with, date and time. You failed to honor my request but you replied with your Generic response of how you used various methods .again on XX/XX/XXXX I disputed it again SPECIFICALLY ASKING YOU to provide proof of a signed contract bearing my signature and address. You blatantly disregarded my request. The only proof of any transaction between me and the compaNIES providing the information will be a signed contract other than that its hearsay! You are in violation FCRA 15USC1681 ( promote accuracy and fairness ) other than word of mouth you have not provided me with FACTUAL ACCURACY OF THese ACCOUNTs. Again on XX/XX/XXXX I disputed all negative items on my report and you responded to me on XX/XX/XXXX you advise me of the results of my disputes are in. How can you request the reporting company to verify accuracy of the information disputed and get a reply in less than 48hrs If Equafax received my dispute on XX/XX/XXXX how can you respond in 2 days  with results of the investigation from the data furnishing company ( provided is the dated letter from you to me dated XX/XX/XXXX which you stated if I wanted the written proof contact the company that reports to you directly well how are you validating their information to be true if you dont have the information Im requesting ) also Im providing the date I file this complaint with CFPB dated XX/XX/XXXX, so how did you respond with a completed investigation on XXXX ) violation of 15usc1681. This will only mean an adequate and precise investigation was not performed which further proves your disregard for the federal law and inaccuracy. Im requesting again for you to provide me with accurate details of how you verified these accounts listed below to be true and accurate and validated!! ( What validate my connection to these accounts ) I want the name of the company the address. Of the company the name of the person you corresponded with to verify this information and what factual documents did they provide for you to assume it to be accurate and trueful. Do not I repeat Do not respond with your Generic response, please provide facts that connect me with these accounts! If you can not provide the details requested for these accounts Acct # XXXXXXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX This will serve as my formal notice of my intent to file a complaint with the FTC XXXX XXXX, and the CFPB due to your blatant and objectionable disregard of the law. To date you have not done your duty as mandated by law, your non compliance with federal law is unacceptable. If you continue to be non compliant. I further remind you that as in XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX. XXXX we pick XXXX, XXXX ) that you may be held liable for willful non compliance

Company response to consumer: Closed with explanation