Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my second time writing equifax about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), The credit bureaus may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. They received my second as proof on this ( date ), which means they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CTMIAMI, FL XXXX XXXX. Validate Account 1 XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

4. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

XXXX. XXXX Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX XXXX AF Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account CHILD SUPP Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

10. Validate Account CHILD SUPP Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

12. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

The following accounts listed above was disputed twice and the equifax have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by equifax and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.

Company response to consumer: Closed with explanation