Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Violation of the Fair Credit Reporting Act ( FCRA ) and Notice of Pending Litigation Seeking Relief and Monetary Compensation under FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance , 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k Civil Liability.

Dear Sir/Madam, I am writing to notify you of your continued violation of the Fair Credit Reporting Act regarding your refusal to delete inaccurate, unverifiable, and invalidated information from my consumer file. As such, I am pursuing litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. This letter serves as my final written offer of settlement before litigation.

Please be advised that a copy of this letter and the inaccurate erroneous items previously sent to you will become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

It is my understanding that you are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information in my consumer file is mine and is correct. However, in the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''. Who verified these accounts? You have not provided me a copy of any original documentation, including a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' The inaccurate, unverifiable, and invalidated items listed below still remain on my credit report in direct violation of the FCRA. 

Account Number : XXXX Kindly investigate and confirm whether this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

The following personal information is incorrect DATE OF BIRTH : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I demand that these items be deleted immediately as they are either inaccurate, unverifiable, or invalidated. I recently applied for extended credit and was denied as a result of your mistakes, causing me significant distress. 

Please be advised that you are in direct violation of the FCRA, and I intend to pursue litigation in this matter to enforce my rights under the FCRA. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation