Consumer complaint received 2023-05-12
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing to inform you that you are in violation of the Fair Credit Reporting Act ( FCRA ) due to your refusal to remove inaccurate, unverifiable, and invalidated information from my consumer file. This violation is in direct contravention of the United States Code law, and as such, I am pursuing litigation under FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I am offering this final written settlement in an attempt to resolve the issue amicably before proceeding with litigation. However, if the inaccurate, unverifiable, and invalidated items listed below are not removed immediately, I will seek relief and recover all monetary damages entitled to me under Section 616 and Section 617 of the FCRA. I will also file a formal complaint with the Federal Trade Commission, and this letter and the previously sent inaccurate erroneous items will be used as evidence in the pending litigation if you fail to comply with this offer of settlement. 

The following unverified items remain on my credit report in violation of Federal Law, and you have not provided me with a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Moreover, you have failed to provide the method of verification required under Section 611 ( a ) ( 7 ), and under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified.

I demand that you delete the following items immediately because they are either inaccurate, unverifiable, or invalidated. I recently applied for extended credit and was denied, causing me distress because of your mistakes.

1. The following personal information is incorrect Account Number : PREVXXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

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

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

8. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

9. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX XXXX '' " Reinsertion WITHOUT XXXX XXXX '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

The FCRA is the primary federal law that governs the collection and reporting of credit information about consumers. As a consumer, I have the right to verify the accuracy of my report, receive notification if information in my file has been used against me in applying for credit or other transactions, dispute information in my report that is incomplete, inaccurate, and unverifiable, and remove outdated, negative information. 

I am aware of the civil liability and the remedy available to me under the FCRA ( Section 616 & 617 ) if you fail to comply with Federal Law. Therefore, I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation