Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the verifiable proof ( an original consumer contract with my bare signature on it ) you have on file of the alleged accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX, Account # XXXX, paid/closed inaccurate reporting. 
XXXX XXXX, Account # XXXX, unverifiable/inaccurate reporting. 
XXXX XXXX XXXX XXXX, Account # XXXX, Inaccurate late payment history, unverifiable, account current. 
XXXX, Account # XXXX, Inaccurate late payment history, account current, unverifiable reporting. 
XXXX XXXX XXXX ( XXXX ), Account # XXXX, inaccurate reporting closed account. 
XXXX XXXX, Account # XXXX, unverifiable/inaccurate reporting XXXX XXXX, Account XXXX XXXX XXXX unverifiable/inaccurate reporting. 
XXXX XXXX, Account # XXXX, unverifiable/inaccurate reporting. 
XXXX XXXX Account # XXXX, unverifiable/inaccurate reporting. 
XXXX XXXX, Account # XXXX, unverifiable /inaccurate reporting. 
XXXX XXXX, Account # XXXX, Outdated account past 7 years. 
XXXX XXXX Account # XXXX, unverifiable/inaccurate reporting XXXX XXXX, Account XXXX XXXX, Outdated account past 7 years, closed. 
XXXX XXXX XXXX XXXX Account # XXXX, Outdated account past 7 years, closed. 
XXXX XXXX XXXX, Account # XXXX, outdated account/inaccurate reporting. 
XXXX XXXX, Account # XXXX, unverifiable/inaccurate reporting. 
XXXXXXXX XXXX XXXX  Account # XXXX, closed/inaccurate reporting. 
XXXX, Account # XXXX, inaccurate reporting/closed account. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, inaccurate reporting/closed account, unverifiable amount. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, Inaccurate reporting/ unverifiable information. 
Department of EducationXXXX XXXX Account # XXXX, Outdated account, closed, paid in full. 
XXXX XXXX XXXX, Account # XXXX, Outdated account past 7 years, closed, paid in full. 

These accounts should not be furnished on my consumer report they are in VIOLATION!! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) in general Subjec6t to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 
Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that the account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 

CC : XXXX XXXX is XXXX Thank you for your prompt assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation