Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This CFPB shall serve as a formal notice of my intent to pursue litigation, due to EQUIFAX 'S disregard for the law.
EQUIFAX claims to have somehow verified items on my credit report that I disputed. Therefore I legally requested a description of the procedure used to verify the items. My last correspondence was dated  XX/XX/XXXX  where I requested for the second time, the method of verification used to verify the items/accounts that I disputed previously. As of  XX/XX/XXXX , EQUIFAX has not responded or complied with this request and have thus not performed their duty according to the law.
Federal law requires a response within 15 days ; it has been nearly 60 days. I have maintained a careful record of my communications with EQUIFAX in regards to this matter, for the purpose of pursuing litigation if needed, if EQUIFAX continues to disregard and violate the law. For the record the following items are being erroneously reported on my credit file.
1.   XXXX   XXXX   XXXX  , reported balance {$61000.00} account number (   XXXX   ).   XXXX   XXXX   XXXX   provided a letter dated  XX/XX/XXXX  stating that they will request to have this item deleted ; the account number in the correspondence from   XXXX   XXXX   XXXX   was listed as  XXXX . This letter was forwarded and provided to EQUIFAX on  XX/XX/XXXX  and resubmitted to EQUIFAX on  XX/XX/XXXX  via Consumer Financial Protection Bureau complaint. I have received 3 letters from   XXXX   XXXX   XXXX  , and I have placed all three copies of these letters from   XXXX   XXXX   XXXX  , in this correspondence. There are three letters from   XXXX   XXXX   XXXX  , dated  XX/XX/XXXX ,  XX/XX/XXXX  via CFPB complaint and  XX/XX/XXXX  via CFPB complaint, all stating that they have requested to have the item/account deleted yet EQUIFAX is still reporting this item. Each correspondence I received from   XXXX   XXXX   XXXX  , the account is listed as  XXXX  ; on the credit report it is listed as  XXXX  ; this is an inaccuracy and EQUIFAX has been reporting this for several months after I have contacted you ( EQUIFAX ) several times in regards to this matter. In the last correspondence from   XXXX   XXXX   XXXX  , they blatantly state that there is no account  XXXX  on their records but EQUIFAX continues to report it as such on my credit report. According to the FCRA information in the credit is to be 100 % accurate, this is an outright discrepancy that EQUIFAX has ignored and this is partially the reason I will be pursuing litigation if EQUIFAX continues to violate and disregard the law.
2.   XXXX   XXXX   XXXX   XXXX  , reported balance {$2500.00}, partial account number   XXXX   3.   XXXX   XXXX   XXXX  , reported balance {$0.00}, partial account number  XXXX .
4.   XXXX   XXXX   XXXX  , reported balance {$0.00}, partial account #  XXXX  5.  XXXX , reported balance {$2200.00}, partial account #  XXXX  6.  XXXX , reported balance {$1500.00}, partial account #  XXXX  You claimed to have verified these items but you refuse and have failed to provide the method of HOW these items were verified by providing the following information for each of the items. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor? Also, in accordance with the FCRA in addition to the above requested method of verification information, EQUIFAX needs to obtain the original copy of the loan application from each creditor listed, that I am disputing in this correspondence, signed by me (   XXXX   XXXX   ) If you do not either verify all the reported items/accounts completely, lawfully and legally according to the FCRA or remove these items/accounts within 15 days of receipt of this correspondence, I will be seeking my lawful and legal remedies through litigation. As stated before, I am keeping records of my communications with you. Thank you for your prompt attention in regards to this very important matter.

Company response to consumer: Closed with explanation