Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: MS
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:
To Whom It May Concern : According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are required by law 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 fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file for the 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 verifiable proof, you must remove the accounts listed below. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to all your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Please remove all accounts that more than 30 days old.

Please add a Promotional Suppression to my credit file.

Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of completion of the re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automatic verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seek {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury Please be advised that if any inaccuracies that are deleted/removed comes that back on my credit report, that I have to be notified per Fair Credit Act of this reappearing on my Credit Report. 
XXXX XXXX XXXX  Opened XXXX {$170.00} XXXX XXXX XXXX Opened XXXX {$260.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} In good standing XXXX  XXXX Reported : XXXX XXXX, XXXX {$0.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$560.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$330.00} Closed XXXX XXXX XXXX & XXXX Reported : XXXX. XXXX, XXXX {$750.00} Closed XXXX XXXX  XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2600.00} In good standing XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$5400.00} In good standing XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX {$2100.00} In good standing Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX CO XXXX XXXX XXXX : XXXX. XXXX, XXXX Bank  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$170.00} Needs Attention XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation