The following is to challenge the response given by Equifax Information Services LLC regarding the dispute that have not been corrected nor erased nor blocked up to date, from which I disagree and thus I've decided to appeal that decision.
The accounts I am disputing are: XXXX Bank, XXXX and XXXX. Furthermore, Equifax Information Services say that they have deleted and corrected addresses, telephones, and accounts, of which I have been notified by them by mail, and then they have change back all these invalid entries as the correct one, this has been happening persistently, this is a clear act of mockery. Equifax inefficiency against my case goes as far to state that the police report which I filed in the police station XX/XX/2015 to a police officer that I am a victim of identity theft and the Affidavit given to me by the FTC, plus all the evidences that I have provided are just not enough, which is just a bad joke. How is possible that other CRAs XXXX and others have conducted their investigations, from which I claimed the same day as to Equifax, XX/XX/XXXX, by fax and certified mail, complying with the FCRA 605B which clearly state that that "...a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later THAN FOUR (4) BUSINESS DAYS after the date of receipt by such agency...", all proving me right and giving me favorable results like correcting errors and deleting negative information which is the result of the identity theft within the timeframe stated by the law. I understand that every agency have their own internal timeframes to comply with the law, but Equifax have done nothing but mocking me in two months, as result I have now XXXX unable to provide to my home and my underage daughter (I am a single mother), all my business loan applications, personal loan application, my student loan application for my XXXX University XXXX, from which my attendance is now impossible, have been denied because of the negative reports given only by Equifax.
Because I have not receive any positive result from Equifax and their continuous bad reporting which have brought more problems into my life and my home, which I did not needed after being victim of identity theft, I decided to contact the Bureau of Consumer Financial Protection XX/XX/XXXX, and thanks to its promptly and optimal investigations and actions at last I have now positive results from financial institutions from which Equifax alleged that those accounts belonged to me, they have contact me thanks to the CFPB labor and, after apologizing for the mistakes, they corrected the inaccurate records, all of this in less than eight (8) days, all these corrections have been and will beed passed by writing from the these financial institutions to me, those are and will become more evidence in a bunch that proved that I was in fact a victim of identity theft and a victim of Equifax's incorrect and damaging reporting. I was always cooperative and very open to provide to Equifax everything that they need as I did with the other agency to correct the mistakes, they let me down, they surpassed my patience and tolerance level.