Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Date of Birth : XX/XX/1990 Last 4 SS # : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verfiy -throught the physcial verification of the original signature contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your credit reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts you have listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove these accounts below. 
I demand the following accounts be verified or removed immediately. 


Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX  ( original creditor ; XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are not METRO 2 COMPLIANCE. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ). Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 5 days of the completion of your re-investigation and I am keeping a careful record of your actions, including Method of Verification. I DO NOT CONSENT TO e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. Defamation 2. Negligent Enrollment of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX Last 4 SSN XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Comission CC : State Regulatorty Agency CC : California Regulatory Agency Division of consumer complaints Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation