Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: AZ
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance, 15 U.S. Code 1681o Civil liability for negligent noncompliance, and 15 U.S. Code 1692k civil liability.

Dear Equifax Information Services, I am writing to you regarding your continued violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final written offer of settlement before litigation, as I seek to resolve this matter amicably.

If the below-listed inaccurate, unverifiable, and invalidated items are not promptly deleted, I intend to pursue legal action in accordance with the FCRA to seek relief and recover all monetary damages I am entitled to under Section 616 and Section 617. I would like to remind you that this letter, along with previous correspondence, will be used as evidence in pending litigation and submitted as a formal complaint to the Federal Trade Commission if you fail to comply with this settlement offer.

Your agency is in direct violation of the FCRA, as the unverified items listed below remain on my credit report. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of this information. However, you have failed to provide me with any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Please be aware that Section 611 ( 5 ) ( A ) of the FCRA mandates the prompt deletion of any information that can not be verified.

I demand the immediate deletion of the following items, as they are either inaccurate, unverifiable, or invalidated : Account involved in litigation with an incorrect high balance, an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late payment, a charge-off listed as open, and a collection account with a limit. 
Creditor : XXXX XXXX XXXX  Account Number : XXXX Incorrect personal information : Date of Birth : XXXX Incorrect personal information : Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : Date of Birth : XXXX Incorrect personal information : Date of Birth : XXXX Account involved in litigation with an incorrect high balance, an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late payment, a charge-off listed as open, and a collection account with a limit. 
Creditor : XXXX XXXX Account Number : XXXX Incorrect personal information : Name : XXXX XXXX XXXX Your failure to comply with federal law and respond satisfactorily within 30 days, as required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), may result in a small claims action against your company. This action seeks {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. 

Please note that 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 automated verification.

I expect a complete investigation to be conducted within the given 30-day period. Additionally, I request the description of the procedure used to determine the accuracy and completeness of the information, to be provided within five ( 5 ) days after the completion of your reinvestigation.

Failure to comply with this settlement offer and provide a satisfactory response within the designated timeframe will result in further legal action. Please be aware that I reserve the right to detail any potential issues with your company through an online public press release, including documentation of any impending small claims action. Copies of this complaint have been sent to the organizations listed below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX XXXX  : State Senate CC : XXXX XXXX XXXX XXXX XXXX : Comptroller of the Currency CC : Federal Reserve System CC : XXXX and XXXX XXXX : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency, Division of Consumer Complaints I anticipate your prompt attention to this matter, and I trust that we can resolve this dispute without further legal action. Thank you for your immediate cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation