Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: AZ
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:
Dear Equifax Information Services LLC, I am writing to inform you of your continued violation of the Fair Credit Reporting Act ( FCRA ) regarding your refusal to delete inaccurate, unverifiable, and invalidated information from my consumer file. As a result, 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 items listed below are not deleted immediately.

I am making this final written offer of settlement before litigation as an attempt to amicably resolve this issue. A copy of this letter, along with the inaccurate erroneous items previously sent to you, 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.

Please note that you are in direct violation of the FCRA, as the unverified items listed below still remain on my credit report. You are required under the FCRA to have a copy of the original creditor 's 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. However, you have NOT provided me a copy of ANY original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) and 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.

As a reminder, the Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

Please delete the following inaccurate, unverifiable, and invalidated items from my credit report immediately : The following personal information is incorrect : Account Number : DATE OF BIRTH : XXXX The following personal information is incorrect : Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect : Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX AZ XXXX The following personal information is incorrect : Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Did not consent to unauthorized inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following personal information is incorrect : Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Did not consent to unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

If you fail to comply with this request, I will 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.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation