Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by law to place a notice of dispute on my account within 30 days of my dispute. As stated above, my dispute was sent to you on XX/XX/2020 and you responded on XX/XX/2020. Additionally, I have obtained a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, the account has been resolved and there is no further obligation to this debt as per the attached documentation. Resolving this matter with payment is not an admission of quilt. 

I am maintaining a careful record of my communications with you for the purpose of filing additional complaints with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S. 1681 s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via the complaint number listed above with time and date of your receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXXXX/XX/XXXXXXXX, TX XXXX Last 4 of SS # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Upon the receipt of this notice, please provide written response within 15 days stating this entry will be removed from all XXXX of my credit reports XX/XX/XXXX, Equifax, and XX/XX/XXXX XXXX. I look forward to your prompt response. 

Proof of credit report entry below : CC : Consumer Financial Protection Bureau CC. Attorney Generals Office CC : XX/XX/XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation