Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB & ALL MENTIONED PARTIES : XXXX, EQUIFAX, XXXX. I, XXXX XXXX XXXX 100 % ATTEST THAT I AM WRITNG & WROTE ALL FINDINGS IN THIS REPORT SOLELY BY ME AND ONLY ME. TO ALL MENTIONED PARTIES : XXXX, EQUIFAX, XXXX & HAVE PROVIDED PROPER DOCUMENTATION VERIFYING MY IDENTITY INCLUDING MY SSN, CALIFORNIA DRIVERS LICENSE, AND CREDIT CARD STATEMENT. 

THIS IS A Metro 2 Letter of Compliance - Account Inaccuracies and Violations of Reporting Laws/ Failure To Respond ( 30 days ) Dear Sir/Madam, I am writing to provide additional information regarding my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate accounts listed on my credit report. Upon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.

This letter functions as my lawful and rightful consumer notice of recent and currently discovered items ) with potential misinformation not certifiably compliant in reporting and or else wise appears deficient in its reporting status ' as reported when reported.

Addtionally, this compte rendu represents my consumer rightful demand for adequate investigation reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately made a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!

I am writing you with this formal protestation versus claims ) made and a demand for swift action on your part. You are non- compliantly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are with infractions ) of the FCRA aka the fair Credit Reporting Act. The surety of infringement should be subject to fines and damages. I am providing you but this one last fortuity for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were inappropriately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due toy our now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it resembles that my forwarded note was unexpectedly disregarded.

As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : Erase now or transmogrify as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the illicit claims following : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXXXXXX XXXX XXXX  : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
7. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
9. Dept of Ed/ XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
10. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
11. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
12. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
13. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
14. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
15. Dept of Ed/ XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 
16. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 

In accordance with the FCRA and the Metro 2 Reporting Format, I hereby request that the above-mentioned accounts be deleted from my credit report immediately. The violations and inaccuracies associated with these accounts have been outlined in my previous correspondence and are summarized as follows : 1. Violation of FCRA Section 604 - Consent : These accounts were reported without obtaining my consent, as required by the FCRA. 

2. Violation of FCRA Section 611 - Investigation of Disputes : The creditors failed to conduct a reasonable investigation and provide a response within the 30-day timeframe upon receiving my dispute, as mandated by the FCRA.

3. Violation of FCRA Section 623 - Duties of Furnishers of Information : The creditors have provided inaccurate, incomplete, and unverifiable information, which must be corrected or deleted under the FCRA. 

I kindly request that the e-OSCAR system reads the provided codes accurately and initiates the necessary actions to remove these accounts from my credit report in accordance with the FCRA, or an intent to sue will be filed. I request that a handwritten carbon copied response to be sent out VIA USPS MAIL to my address, I also demand under the FCRA that each individual credit Bureau also send carbon copied responses to each other when communicating as required by law in handling the inaccuracies on my report fairly. 

Thank you for your attention to this matter, and I appreciate your cooperation in rectifying these inaccuracies. I look forward to receiving written confirmation of the deletion of these accounts from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief