Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act.

The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 3. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 4. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to 5000 if t XXXX  Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION 5. Under 15 usc 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX  if t XXXX XXXX XXXX Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT 7. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX  if t XXXX XXXX XXXX Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION 8. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX  if t XXXX  Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION 9. The following personal information is incorrect Former : XXXX XXXX XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore, please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information as contained on the reported trade- line is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please do not provide some generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.

There is clearly already a problem with the system as it is. In fact, one recent consumer study proved that over 79 % of consumer credit reports contain errors. Another report shows that more than 90 % contain errors. Why does your company continue to operate with such low standards of success?

My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA, as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying with the above-mentioned laws and/or acts.

Your companys continued reporting of this derogatory item will be considered willful non- compliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses.

I have filed an attorney general complaint reporting your ignorance in processing this request and greeting your mistakes CORRECTED.

**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS OFFICE Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau via fax XXXX XXXX XXXX XXXX  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 : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency

Company response to consumer: Closed with explanation