Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: LA
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:
Equifax Information Service LLC XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX I XXXX XXXX XXXX hereby state that I have been fighting with this credit bureau for years and they have repeatedly sent me a letter stating that the information was correct and will stand. I have contact every creditor listed on their report and they could not and did not send evidence of their clams. I can no longer stand by and watch them continue to report false information, identity theft, demographic inaccuracies, defamation, emotional distress and public embarrassment. It is embarrassing to keep being denied because the credit bureau wont change or truly investigate what I am saying about my credit report. I have sent each credit bureau 's more than 1 certified letter and still got the same result. I use XXXX XXXX, XXXX XXXX, and XXXX  to check my credit scores to see if anything has changed each month and i still got nothing. 
This is the 4 letter to each credit Bureaus and it reads as follows : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three 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 investigations, 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  Last certified letter usps tracking # XXXX Equifax last Certified letter usps tracking # XXXX XXXX XXXX last Certified usps tracking # XXXX

Company response to consumer: Closed with non-monetary relief