Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: FL
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:
regarding complain number XXXX Equifax stated items would be deleted off my credit report but still remains. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Attention: Customer Complaints Department
Special Request: Please Forward to a Live Agent to Handle. I dont want any data or
information left out when forwarding to furnishers due to your automation system
restrictions, limitations or any other issues with your data governance.
WE ALL KNOW COMPUTERS CAN ALSO MAKE SOME COSTLY MISTAKES AT TIMES.
Thanks for forwarding!
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, 
and
accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 (5)(A) of
the FCRA  you are required to promptly DELETE all information that is inaccurate,
incomplete, or which cannot be verified.
It is also my understanding that Under the FCRA 15 U.S.C.  1681i, every single one even each
any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified 
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aspects
of any alleged derogatory accounts must be promptly negated in its entirety or the alleged 
accounts
are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with
PERMANENT DELETION of these derogatory accounts or provide testimony and certification
that you are adhering to mandated XXXX XXXX data formatted reporting standards according to
regulations.
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a 
lawsuit
seeking monetary resolution via a court in my jurisdiction.
Drawing from my research and complete comprehension You nor any entity is permitted to 
keep
any non-compliant information, particularly upon it being challenging any or all of the excerpts,
dated assignments, ledger balances, audited details, documents of identification, each of the 
426-2
character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or 
alphanumeric
source codes. Further certificate firmly every single one even each any and or all of the minimal
five (5) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation 
to
collect.
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT,
INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN
COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed
immediately, do so TODAY, even right NOW! The obvious infractions are as follows:
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Name of Alleged Creditor: XXXX XXXX 
Alleged Account Number: XXXX  XXXX  Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. 
Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
Name of Alleged Creditor: XXXX XXXX XXXX 
Alleged Account Number: XXXX XXXX  Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor
Name of Alleged Creditor: XXXX
Alleged Account Number: XXXX XXXX   Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
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please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
Name of Alleged Creditor: XXXX XXXX XXXX XXXX 
Alleged Account Number: XXXX XXXX
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
Name of Alleged Creditor: XXXX XXXX XXXX Alleged Account Number: XXXX XXXX
Item Complaint Details: You are reporting inaccurate and/or incomplete, unproven, NONCOMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not,
please provide physical proof of verification, along with the requested items within the full
context of this correspondence.
Dispute Reason: I don't recall having any business transactions or dealings with this company
and/or original creditor.
PLEASE NOTE
This letter may be provided to the Consumer Financial Protection Bureau (CFPB) and I am 
fully aware that they are authorized to investigate this matter. If you fail to comply with this 
letter, this matter may be turned over to an attorney. I don't recall having any business 
transactions or dealings with these companies. I am asking that you have the creditors provide 
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evidence the accounts belong to me and should be on my credit report, in addition, to show 
that my rights have not been abrogated.
I'm asking each to verify that the creditors have a signed contract or paperwork from me or 
related to me in any fashion. Unless this paper is produced or the account is unverifiable by 
each creditor, I required that the accounts in question are updated and deleted to reflect the 
proper reporting standard.
*THESE ITEMS are DAMAGING MY FINANCIAL REPUTATION
and MUST be DELETED AT ONCE.
Under Section 611, I am requesting the following:
If the above items are not deleted or you and/or the furnisher determine they are verified
after your investigation, I am requesting:
1. A description of the procedure used to determine the accuracy and completeness
of the information. Please provide me a complete copy of all the information that
was transmitted to the data furnisher aspart of the investigation, as required by
FCRA:
a. Who did you speak with?
b. What was the date?
c. How long was the conversation?
d. What was their position?
e. What number did you call?
f. What is the name of your employee that spoke directly to the creditor?
g. What is the position of your employee that spoke to the creditor?
2. Please include the business name and address of any furnisher of information
contacted in connection with such information and the telephone number of such
furnisher.
3. What certified documents were reviewed to conclude your investigation?
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Enclosed with your response to the above questions, I respectfully request a notarized
affidavit confirming the information that is provided is true and correct as per my civil
rights granted under several federal laws.This information should not come as an
automated letter response.
PLEASE SEND THE REQUESTED ITEMS WITHIN THIS CORRESPONDENCE
TO THE FOLLOWING ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX Note: * Please remove all non-account holding inquiries over 30 days old.
* Please add a Promotional Suppression to my credit file.
To Whom It May Concern,
Please note: The personal information listed below requires attention
My Accurate legal full name is exactly: XXXX XXXX ONLY!!
I do NOT want any name other than what I listed above to be retained or reported.
Please delete any other names that infringes on my consumer rights OR provide evidentiary
PROOF the legal right to retain such information.
My Accurate complete address isXXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
I do NOT want any address other than what I listed above to be retained or reported.
Please delete any other addresses that infringes on my consumer rights OR provide evidentiary
PROOF the legal right to retain such information.
My Accurate FULL legal Social Security is: complete address isXXXX XXXX XXXX XXXX  If any other social security number is listed other than what was typed above was NOT provided
by me and should NOT to be retained or reported. If any other social security number is listed,
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please delete it at once or provide evidentiary PROOF the legal right to retain such information.
My Accurate Full Date of Birth is XXXX XXXX XXXX  
If any other date of birth is listed other than what was typed above was NOT provided by me 
should NOT to be retained or reported. If any other date of birth is listed, please delete at once 
or
provide evidentiary PROOF the legal right to retain such information.
As you are aware, federal and my state laws dictate that all claims be physically proven to its 
100%
truthfulness, 100% correctness, 100% completeness, 100% timeliness and 100% in compliance
otherwise every single item even each or all of the related regulations, mentioned or that if any 
or
each item being reported is challenged for its legal reportability in which case and I am doing 
such,
I demand as my legal rights allows that you follow whats mandated and required of Data
Furnishers to demonstrate in unabridged sufficiency of the facts exactly as composed and 
relayed
to you. This includes substantial display of all law requisites such as proof of documented 
identity
of the individual alleged as having ownership or proven responsibility of alleged accounts which
are still making unfounded claims in my report.
I am seeking every notation, date, balance, total,426-CHRC, P6 statement, identifier, and all 386
pcs of confirmation, notes as well as anything even unknown to be provide with required
documentation. Otherwise DELETE PROMPTLY if there are any deficiency to provide requested
information as Federally defined in a timely manner.
I am sincerely appreciative to your full attention to my request; and your cooperation in 
speedily
bringing my credit report into Compliance. Have an awesome day! 7 XXXX XXXX

Company response to consumer: Closed with explanation