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: OR

Complaint narrative:
This was your final reply " We completed our review of your request to remove information from your Equifax credit file due to the information being the result of XXXX XXXX. 

For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file : You did not provide qualifying XXXX determination documentation confirming that you were a XXXX XXXX XXXX XXXX, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement ; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity ; or a determination by court in a case where a central issue is whether you are a XXXX XXXX XXXX XXXX ( which could be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a XXXX XXXX XXXX XXXX ). 

To determine the outcome of your request, Equifax reviewed your request, the accompanying documentation, the requirements of Section 605C of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. '' THIS IS THE LAW BELOW!! YOU CAN NOT DECIDED IF MY XXXX DOCUMENTATION REPORT IS VALID OR NOT. I gave you 2 self attestation letters signed by non government agencies that are supported by goverment agencies. 
Would you like me to try to call my FBI agent? Or the previous attorney general that XXXX XXXX XXXX? I don't know what else I could possibly give you to show you that it IS VALID THAT I WAS A XXXX XXXX XXXX XXXX. All of the other credit companies like XXXX, XXXX, XXXX XXXX XXXX. have approved my case to remove the items i stated were apart of my XXXX. STOP TELLING ME MY XXXX IS NOT VALID. ITS WRONG. ITS AGAINST THE LAW. If nothing is resolved my lawyer is going to come after you guys to make this right. 
Similar to the section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted XXXX documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( 6 ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX documentation under 1022.142 ( b ) ( 6 ) of this section.

Company response to consumer: Closed with explanation