Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 deleted immediately. XXXX XXXX XXXX  - 300001- {$16000.00}, I have no relation to this account in fact, this account was opened XX/XX/XXXX. It is nowXX/XX/XXXX- Exceeding the maximum time under FCRA LAW for a debt collection to stay on a consumers credit report. This account has caused me hardship in obtaining and maintaining a healthy credit profile. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 

XXXX- XXXX - balance unknow- {$10000.00}. I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 

XXXX XXXX XXXX - balance unknown- loan amount {$10000.00}. I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 


XXXX LA - XXXX balance unknown- loan amount {$520.00}. I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 


XXXX XXXX XXXX XXXX {$1300.00}. I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 

XXXX XXXX - XXXX - {$680.00} - I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 


XXXX XXXX {$470.00} I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 


XXXX XXXX- XXXX {$2400.00} I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 



XXXX XXXX - {$470.00} I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. 

INQUIRIES : XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE SOLUT Mortgage XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE SER Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation