Consumer complaint received 2017-10-01
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:
On XXXX XXXX, 2017 Equifax was sent a certified letter disputing the accounts listed in the letter below XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX ), in which no response was received. As a result the letter below was sent to Equifax on XXXX/XXXX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX : On XXXX XXXX, 2017 you received the a letter disputing the accounts below, which I sent you certified mail with return receipt ( XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Since you have failed to respond within the required 37 days as stipulated under section 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA, you must immediately delete the accounts referenced below from my credit report : 1. XXXX # XXXX Please remove this account from my credit report this account is reporting incorrectly. 
this account has been disputed with the creditor and they have failed to mark this account accordingly which is a cause of action under the Fair Debt Collection Practices Act. 

2. XXXX # XXXX Please remove this account from my credit report as it is reporting incorrectly. In addition, It has been charged off and sold to a collection agency but it still shows a balance owed which is not permitted under the Fair Credit Reporting Act. 

3. XXXX # XXXX Please remove this account from my credit report. This account is not mine, an incident report has been filed with XXXX XXXX XXXX  XXXX. and XXXX concluded this to be fraudulent account. In addition, this account has been charged off and sold to a collection agency but it still shows a balance owed which is not permitted under the Fair Credit Reporting Act. 

4. XXXX # XXXX Please remove this account from my credit report. This account is showing a late payment in XXXX 2017 and XXXX 2017 and I am a hundred percent sure that I was not late during those months as the account was paid in full by XXXX and the balance reflects that. 

5. XXXX # XXXX Please remove this account from my credit report. This account is showing a late payment in XXXX 2017, and I am sure that I was not late during that month. 

6. XXXX XXXX XXXX # XXXX Please remove this account from my credit report. I have NEVER had an account with this company. Clearly this company has made a mistake. 

7. XXXX XXXX # XXXX Please remove this collection account from my credit report as I have no knowledge of this account, it is clear that this company has me mixed up with another person. 

8. XXXX # XXXX Please remove this account from my credit report, as this account is reporting incorrectly. Furthermore, this account has been charged off and sold to a collection agency but it still shows a balance owed which is not permitted under the Fair Credit Reporting Act. 

9. XXXX XXXX # XXXX Please remove this account from my credit report, as this account is reporting incorrectly. Furthermore, this account has been charged off and sold to a collection agency but it still shows a balance owed which is not permitted under the Fair Credit Reporting Act. 

10. XXXX XXXX # XXXX Please remove this account from credit report as it has come to my attention that this repossession may have been done illegally. In addition this company has failed to mark this account as being disputed after several dispute letters were sent in XXXX 2017, XXXX 2017, and XXXX 2017. Failing to mark account as disputed after I dispute it, is a violation under the Fair Credit Reporting Act. Also this creditor has failed to validate this debt or provide any records or documents requested to validate this debt. 

As per my original request, please provide me with a complete and detailed copy of my credit showing the deletion of the above items. 
THIS IS NOT A REQUEST FOR A REINVESTIGATION. YOUR FAILURE TO RESPOND TO MY INITIAL DISPUTE IN THE TIMEFRAME ALLOTTED BY THE FCRA MEANS THAT YOU MUST DELETE THESE ITEMS FROM MY CREDIT REPORT PURSUANT TO 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
IF I DONT RECEIVE AN UPDATED COPY OF MY REPORT SHOWING THE ABOVE ITEMS DELETED WITHIN 30 DAYS OF RECEIPT OF THIS LETTER, I WILL FILE A COMPLAINT WITH THE FEDERAL TRADE COMMISSION AND YOUR STATES ATTORNEY GENERAL, AND FILE SUIT AGAINST YOUR COMPANY FOR DAMAGES IN FEDERAL DISTRICT COURT. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation