Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: TX
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 this may concern : Not an entity today exists that can certifiably ignore its mandated obligations to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself.Per the metro 2 data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIFICATE the verification and validity of the following claims or DELETE NOW : I request you delete these erroneous accounts in an effort to maintain an accurate credit file and reflect my creditworthiness. Your willful and negligent non-compliance reached outrageous proportions a long time ago. This notice is to inform you that legal action is now imminent pursuant to FCRA 616 ( Civil liability for willful noncompliance ) promulgated at 15 U.S.C. 1681n. 

By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. 

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. Please delete these inquiries or I will commence legal action.

609. Disclosures to consumers [ 15 U.S.C. 1681g ] 1 ) Summary of rights. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( A ) a written summary of all of the rights that the consumer has under this title ; and ( B ) in the case of a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours.

( 2 ) Specific items required to be included. The summary of rights required under paragraph ( 1 ) shall include ( A ) a brief description of this title and all rights of consumers under this title ; ( B ) an explanation of how the consumer may exercise the rights of the consumer under this title ; ( C ) a list of all Federal agencies responsible for enforcing any provision of this title and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency ; ( D ) a statement that the consumer may have additional rights under State law and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general to learn of those rights.

Failure to respond within 30 days of receipt of this letter will result in small claims legal actions against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to provide documentation that these are in fact my accounts and that you legally did your job as the credit bureau and did a complete investigation. 

XXXX XXXX  XXXX XXXX I do not have a financial obligation with you ; please delete this reference on all credit reports XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

XXXX XXXX This account is not mine XXXX XXXX This account was reported to collection in error and should not be showing up on my report XXXX XXXX XXXX This account was reported to collection in error and should not be showing up on my report XXXX XXXX XXXX  XXXX If inaccurate, incomplete, or unverified, I demand deletion. 

XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. 


Respectfully Yours, P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation