Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
To Equifax This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be validated or removed immediately : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. These inquiries were not authorized by me and I would like them to be removed XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 9. inaccurate/invalidated account Prove it. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. FDCPA Section 807 Violation Misleading False Reporting. Please remove it from my credit report XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXX Please remove it from my credit report. 

19. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. " Please VALIDATE that this DEPT belongs to me. I DEMAND to show me the ORIGINAL CONTRACT of this dept. If you can not support this DEPT this must be REMOVED. '' XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT Chapter XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 26. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. You are in VIOLATION of the 15 US. Code 51692e- False or misleading representation. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you for your time and help in this matter. 


Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief