Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: CA
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, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of United States Code Law Dear Equifax Information Services LLC, I am writing to bring to your attention the continued violation of the Fair Credit Reporting Act ( FCRA ) in relation to my consumer file. Despite my previous attempts to address the issue, you have failed to remove inaccurate, unverifiable, and invalidated information from my credit report. As a result, I am left with no choice but to pursue legal action to seek relief and recover the monetary damages I am entitled to under 15 U.S. Code 1681n, 15 U.S. Code 1681o, and 15 U.S. Code 1692k. 

I have provided detailed explanations below regarding the items that are still present on my credit report, which are in direct violation of the FCRA. According to the FCRA, you are required to maintain a copy of the original creditors ' documentation to verify the accuracy of the reported information. However, you have failed to provide me with any such documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not fulfilled the obligation to provide the method of verification as required under Section 611 ( a ) ( 7 ). It is important to note that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified. 

I demand the immediate deletion of the following items from my credit report, as they are either inaccurate, unverifiable, or invalidated : Account Number : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I request its removal from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal from my credit report. 

The following personal information is incorrect DATE OF BIRTH : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Your continued violation of the FCRA leaves me no choice but to pursue legal action to enforce my rights. Section 616 and Section 617 of the FCRA clearly outline the civil liability and available remedies in case of noncompliance with federal law. As a consumer who values their rights under the FCRA, I am prepared to pursue litigation to ensure that justice is served. 

Please be aware that you have 30 days, as stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), to complete a thorough investigation and provide me with a description of the procedure used to determine the accuracy and completeness of the information. I request this information within 5 days of the completion of your reinvestigation. I want to emphasize that I do not consent to e-Oscar or any form of automated verification. 

Failure to respond satisfactorily within the given timeframe may result in a small claims action seeking {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please note that depending on your response, I may publicly release any potential issues with your company through an online press release, including documentation of any impending small claims action. Copies of this letter and my complaint will also be forwarded to relevant organizations, including but not limited to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau Consumer Financial Protection Bureau Attorney Generals Office XXXX XXXX XXXX  State Senate Federal Deposit Insurance Corporation Comptroller of the Currency Federal Reserve System Credit and insurance Federal Trade Commission State Regulatory Agency California Regulatory Agency, Division of Consumer Complaints I urge you to rectify this matter promptly and comply with the provisions of the FCRA. Failure to do so will leave me with no option but to pursue legal action to protect my rights and seek the appropriate relief. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation