Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: OR
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, The following accounts need to be deleted immediately. The information you are reporting on my consumer report is inaccurate and I sent multiple letters out to have you fix this information and it still has not been deleted or corrected.I have multiple mediums of proof from my attached exhibits and recordings that the information was inaccurate as shown in my exhibits attached. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later. I have not received a response yet to this day. I feel like Im extremely being taken advantage of and this is causing me emotional distress and anxiety after being ignored of my disputes. 

LAWS YOU HAVE CLEARLY VIOLATED : XXXX. Section 611 ( a ), clearly says that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should delete promptly ; I demand these accounts be deleted immediately or I will file for litigation due to the emotional stress and anxiety you have caused me. 
XXXX. 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting. 
XXXX. 15 U.S.C. 1681 ( a ) ( 5 ) Treatment of inaccurate or unverifiable information. 

Again On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate and obsolete. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. 

According to 15 U.S.C. 1681n ( a ) A consumer has the right to seek damages from violators of the FCRA law. I demand that you send me payment for {$1000.00} per account ( listed below ) for reporting inaccurate information on my report that you have failed to verify, correct, and delete. I demand that you send this payment to my address below in the next XXXX days. If I do not receive payment or have these accounts removed in the stated time of XXXX days then I will take legal XXXX action. I have recently studied constitutional consumer protection laws along with XXXX court procedures. I will represent myself pro-se and will formally request a jury trial. 

Additionally, Please see my reasons for dispute below : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX This account is reporting inaccurate information and was never opened by myself. Please delete from my report. 

XXXX XXXX Account XXXX : XXXX This account is reporting inaccurate information and was never opened by myself. Please delete from my report. 

XXXX XXXX XXXX XXXX Account Number : XXXX This account is reporting inaccurate information and was never opened by myself. Please delete from my report. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX XXXX days of the completion of your investigation

Company response to consumer: Closed with explanation