Consumer complaint received 2018-05-18
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : XXXX XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT AS THE LITIGATION IS IN PROCESS. 
I received your response and I made attempts to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the accounts as ( disputed by consumer ) within the first 30 days on my first dispute, reported Double Jeopardy and failed to provide an original written contract bearing my signature on the accounts I listed below and is clearly FCRA violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 7 ). 

XXXX XXXX XXXX/ XXXX XXXX account # XXXX- failed to mark as disputed by consumer within 30 days of my first disputed and failed to provide an original written contract bearing my signature. 

XXXX XXXX XXXX/ XXXX -account # XXXX- failed to mark as disputed by consumer within 30 days of my first disputed with failed to provide an original written contract bearing my signature. 

XXXX XXXX-account # XXXX failed to mark as disputed by consumer within 30 days of my first disputed with failed to provide an original written contract bearing my signature. 

XXXX account # XXXX- reporting Double Jeopardy cause this account was sold to XXXX . failed to mark as disputed by consumer within 30 days of my first disputed with failed to provide an original written contract bearing my signature. 

XXXX XXXX XXXX account # XXXX- failed to mark as disputed by consumer within 30 days of my first disputed with failed to provide an original written contract bearing my signature XXXX XXXX account # XXXX- failed to make account as disputed by consumer within first 30 days by consumer. 

XXXX account # XXXX- failed to mark as disputed by consumer within 30 days of my first disputed with failed to provide an original written contract bearing my signature. 

In addition, I sent a couple of months back I sent an inquires letter starting to delete the invalid inquires listed on my report and yet nothing has been done, which also violation of the fair Credit Reporting Act 611 ( a ) ( 7 ). Please check your files for this letter and uphold my request. 

I have repeatedly asked for evidence to support your reporting, yet again, you failed to provide me with a copy of any viable evidence submitted by substantiating the creditors claims. Furthermore, I requested your method of verification and you have not complied, which is an additional violation of the fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith and have not complied with the fair Credit Reporting Act. I have filed a small claim lawsuit against you. Case # XXXX I have maintained carefully records of your actions and you re now required to appear in Justice of the Peace Pct. 4-1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. 
I`m seeking {$1000.00} per violation plus court for : 1. Defamation 2. Negligent Enablement of identify Fraud 3. Violations of the fair credit Reporting Act 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 immediately. Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, violations and by reporting Double Jeopardy and failed to provide an original written contract bearing my signature. These violations entitle me to 1,000 for damages for each violation.

Company response to consumer: Closed with non-monetary relief