Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: GA
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, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 



The accounts in question are below XXXX XXXX XXXX XXXXThe Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. 


XXXX XXXX XXXX Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. 

XXXX XXXX XXXX The Following account was a charge off. The balance should be XXXX. This account is reporting under another name on the other bureaus which is inaccurate and a violation. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. 

XXXX XXXX XXXX The Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. 

XXXX  XXXX The Following account was a charge off. The balance should be XXXX. This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. The FCRA provides a two ( 2 ) year statute of limitation commencing from the date of the violation of the Act, regardless of whether the victim even knows of the violation. It is perhaps the least consumer-friendly provision of the anti-consumer FCRA under 15 U.S.C. 1681h ( e ), then state law statute of limitations should be applied. Please remove immediately. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IDENTIFY YOURSELF & Pease send validation of all above alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 



If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. 

Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..

AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately.

CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY Thank you

Company response to consumer: Closed with explanation