Consumer complaint received 2023-05-17
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 Subject : Dispute of Inaccurate Information - Violation of United States Code Law Dear Sir/Madam, I am writing this letter to formally dispute and seek resolution for the inaccurate, unverifiable, and invalidated information currently present in my consumer file. As per the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any discrepancies in my credit report, and it is my intention to pursue all available remedies under FCRA, including seeking relief and monetary compensation, if the following listed items are not promptly addressed and rectified.

I have previously brought these inaccuracies to your attention, and despite your investigation, the incorrect information persists on my credit report. It is essential to note that you have failed to provide me with any original documentation to verify the accuracy of the reported items, as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, you have not provided the method of verification, as mandated by Section 611 ( a ) ( 7 ). Consequently, under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to " promptly DELETE all information which can not be verified. '' I am disappointed to observe that your agency continues to disregard the FCRA, and the inaccurate and unverified items listed below persist on my credit report : XXXX Account Number : XXXX The reporting of this account is completely inaccurate and has adversely affected my credit. I have never had any late payments on this account, and I demand an immediate update and removal of the inaccurate information. 

XXXX XXXX Account XXXX : XXXX The reporting of this account is entirely inaccurate, and it has had a negative impact on my credit. I have never made any late payments on this account, and I request an immediate correction and deletion of the inaccurate information. 

XXXX XXXX Account XXXX : XXXX The reporting of this account is entirely inaccurate, and it has significantly impacted my credit. I have never had any late payments on this account, and I insist on an immediate update and removal of the inaccurate information. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they XXXX be incorrect. Kindly rectify or delete this account from my credit report entirely. 

XXXX Account Number : XXXX I request a thorough investigation into this account as I am unable to recognize it. Please remove this account from my credit report. 

Current Address : The current address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Kindly update this information accordingly. 

XXXX Account XXXX : XXXX I have not made any late payments on this account, and it has been paid as agreed. I demand the removal of the late payment from my credit report. 

XXXX Account XXXX : XXXX I have not made any late payments on this account, and it has been paid as agreed. I request the correction and update of this inaccurate information on my credit report. 

XXXX XXXX Account Number : XXXX I have not made any late payments on this account, and it has been paid as agreed. I insist on the correction and update of this inaccurate information on my credit report. 

XXXX XXXX  Account Number : XXXX I have not made any late payments on this account, and it has been paid as agreed. I request the correction and update of this inaccurate information on my credit report. 

Current Address : The current address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Kindly update this information accordingly. 

Previous Address : The previous address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Please rectify this information. 

Unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX I demand the immediate removal of this unauthorized inquiry from my credit report. 

XXXX Account XXXX : XXXX This account is involved in litigation, has an incorrect high balance, an inaccurate date of last activity, reaged accounts, reinsertion without proper notice, an undated late payment, and a charge off listed as open. I insist on the removal of this account from my credit report. 

Current Address : The current address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Kindly update this information accordingly. 

Previous Address : The previous address listed as XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is incorrect. Please rectify this information. 

Unauthorized Inquiry XXXX Date of inquiry : XX/XX/XXXX I request the immediate removal of this unauthorized inquiry from my credit report. 

Incorrect Personal Information Name : XXXX A XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Unauthorized Inquiry XXXX  Date XXXX inquiry : XX/XX/XXXX I demand the immediate removal of this unauthorized inquiry from my credit report. 

Your failure to comply with the FCRA and address these disputes within 30 days, as mandated by Section 611 ( a ) ( 1 ) ( A ), will leave me with no choice but to pursue legal action against your agency. Please note that I am keeping a meticulous record of your actions, including the method of verification used. I do not consent to e-Oscar or any form of automated verification.

According to the FCRA, if you fail to respond satisfactorily within 30 days of receiving this certified letter, I may initiate a small claims action against your company, seeking {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be aware that depending on your response, I may publicize any potential issues with your company through an online press release, including documentation of any small claims action I pursue. Furthermore, copies of this letter and the accompanying complaints will be submitted to the relevant authorities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau Consumer Financial Protection Bureau Attorney General 's Office XXXX XXXX XXXX State Senate Federal Deposit Insurance Corporation Comptroller of the Currency Federal Reserve System Credit and Insurance Regulators Federal Trade Commission State Regulatory Agency California Regulatory Agency, Division of Consumer Complaints I expect your prompt attention to this matter and the immediate correction of the inaccurate information in my credit report. Failure to comply will result in legal action. Please send me written confirmation of the actions taken to address these disputes. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief