Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING.

1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Former : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account Number : XXXX Please remove it from my credit report.

5. FDCPA Section 807 Violation Misleading False Reporting. Please remove it from my credit report XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. You are in VIOLATION of the 15 U.S. Code 1692f- Unfair practices XXXX Account Number : XXXX Please remove it from my credit report. 

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

8. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report. 

9. Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX XXXX Account Number : XXXXXXXX Please remove it from my credit report.

10. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSEPRETENSES XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

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

14. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report.

15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief