Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue 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 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also 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.

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & 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.

To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporti
ng agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. What is the accuracy of these accounts? Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

How many violations do you need to remove these accounts?

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 am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified with ALL information being and exact match or deleted immediately. Exact Match includes spelling of my FIRST MIDDLE AND LAST NAME ( no abbreviations ), CURRENT ADDRESS ( that matches my government issued ID ), DOB. If any of this does not match that was provided to you by the ORIGINAL creditor, please delete immediately. A debt buyer CAN NOT verify FULL IDENTIFICATION on the consumer and would be IDENTITY THEFT IF THE CREDIT REPORTING AGENCY PROVIDE 3RD PARTIES WITH ANY OF MY PERSONAL INFORMATION, all verifiable information has to come from the original creditor with my wet link signature. *** I DO NOT CONSENT TO ANY E-OSCAR VERIFICATION OR ANY TYPE OF ELECTRONIC VERIFICATION OR ANY TYPE OF EXCHANGE OF ANY OF MY PERSONAL INFORMATION TO 3RD PARTIES THAT DOESNT HAVE A WETLINK SIGNATURE CONTRACT WITH ME. **** HARD INQUIRIES places information on
a consumer profile but cant verify if its the consumer. Only I can verify if an inquiry is mine with ALL EXACT matching data and the BELOW inquiries are also to be deleted. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account EQUIFAX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Date of inquiry XX/XX/XXXX Unverified Account XXXX XXXX Date of inquiry XX/XX/XXXX Unverified Account XXXXXXXX XXXX Date of inquiry XX/XX/XXXX Unverified Account * Please remove all non-account holding inquiries. 
* Please add a Promotional Suppression to my credit file.

Your credit reporting agency has given debt buyers my new personal information which is considered identity theft. No permissible purpose... Debt buyers can not verify accuracy on purchase debt. Debt buyers are not offering employment. Debt buyers buys debt and re-age then illegally as new debt. Only the consumer can verify accuracy. These collection accounts are not even on my consumer reports. The debt buyers did not have any of my accurate personal information until I disputed the debt with your collection agency. What permissible purpose did you have to give a third party my information without my permission or permissible purpose? This information was already previously removed and now have been replaced on my account with the new information that was provided by the credit reporting agency. I have not been provided with no information or original contract on how this information was verified as my account. You have violated many FCRA violations and these accounts need to be removed immediately! This has caused many damages to my pursuit of happiness. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) that has an exact match to " ALL '' information as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You are the only bureau that is not following the law and are allowing debt buyers to verify accuracy is identity theft from your company. Delete ALL UNVERIFIED DISPUTED ACCOUNTS AND INQUIRIES or provide the original documentation with a wet link signature which is physical verification.

Company response to consumer: Closed with explanation