Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 

XXXX. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD XXXX  DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report 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 ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification. 

Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation