Consumer complaint received 2021-10-11
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: Investigation took more than 30 days

Complaint:
Equifax is not responding to my letters sent more than 30 days ago. My first letter was sent on XX/XX/ XXXX  no response. 2nd letter sent on XX/XX/XXXX, 3rd Letter sent on XX/XX/ no response from Equifax. It is against federal laws for my requests to be ignored. I mailed a copy of my social security card and utility bill with each letter and still did not get a response.I will take everything I have to court and show how you are violating my consumer rights and damaging my character. 

I am tracking and documenting all of my correspondence to this company and have proof you continue to ignore federal law!!! This is my fourth letter to Equifax of which the previous 3 have been ignored and you continue to report inaccurate information and unverified accounts on my credit report. I am prepared to start litigation if these accounts are not deleted from my credit file upon receipt of this letter to your company through CFPB. I am attaching all previous letters sent and I demand all information I sent as a dispute be formally addressed. 

How is the alleged account of XXXX XXXX XXXX still reporting late payments if the account is charged off? DELETE THIS UNVERIFIABLE ACCOUNT FROM MY CREDIT FILE! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two 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 first investigation and subsequent reinvestigation, 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. 

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 or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you have on record, I was previously a victim of identity theft and it is your responsibility to ensure that all of the information you have in your database is accurate and to address any concerns I have about the information that you are reporting about me. If I tell you an address is not mine, you should delete it right away to prevent the compromise of my identity my thieves! I sent you a letter which is also enclosed asking you to delete inaccurate addresses from my credit file on XX/XX/ which you did not respond to. Delete all inaccurate addresses from my credit file that are inaccurate and undeliverable to me as I previously requested. Now Im demanding it and I will make sure my consumer rights are not violated by your company!! Delete all of these addresses 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 6. XXXX XXXX XXXX XXXX XXXX, CA XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation