Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: NY
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:
Re : This is not a regular dispute. Take action immediately you are in violation. 
NOTICE OF LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you will be liable for your willful non-compliance. 
Faiir Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), if you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 
Be advised that the description of procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your reinvestigation and I am keeping a careful record of your actions, including your method of verification. 
I do not consent to e-Oscar or any means of automated verification. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown. 
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumer. Its rules cover how a consumers credit information is obtained, how long it is kept, and how it is shared with others - including consumers themselves. 

2. What is a FCRA violation? 
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one persons information with anothers because of similar ( or same ) last name or social security number. Agencies fail to follow the guideline for handling disputes. 
3. My rights under the fair credit reporting act -Verify the accuracy of my report when it is required for employment purposes. 
-Receive notification if information in my file has been used against me in applying for credit or other transactions. 
-Dispute-and have the bureaus correct and delete-information in my report that is incomplete, inaccurate, and unverifiable. 
-Remove outdated negative information ( after seven years in most cases ). 

Despite three written request you have failed to respond the unverifiable 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 result of your investigation you stated in writing that you verified that this item/items are being reported correctly? Who verified the account/s? You have NOT provided me a copy of ANY original documentation ( a consumer contract bearing 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. 

YOR ARE IN DIRECT VIOLATION OF THE FCRA, the unverifiable items listed below still remain on my credit report is a violation of Federal Law. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including and not limited to small claims action. I am also including a copy of my complaints to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals 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 Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints

Company response to consumer: Closed with explanation