Consumer complaint received 2021-07-08
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 I mailed in my first dispute letter. When I called about the letter after receiving no response for 30 days, I was told they didn't receive the letter which is very interesting because I sent the letter via XXXX and it's been confirmed by them that they mailed it. I have proof of the day it was mailed and that it was sent to the correct address. 

On XX/XX/21 I sent the same dispute letter with tracking to prove it was delivered on XX/XX/21. 

The letter is a formal complaint that you are reporting inaccurate and incomplete credit information. This is my second time mailing this letter and Ive called several times and youve denied my request to update my report despite me, the consumer, informing you that the information on my report is not valid. And, you've failed to provide valid proof that the accounts listed are valid or that you even have the right to report this inaccurate info. 

I am the sole one in charge of what goes on my credit report pursuant to 15 USC 1692c ( d ).

And, according to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

You are in direct violation with the law. You are reporting inaccurate and false information. You are not reporting fair and equitable information according to the law and I do not give you permission to post this on my credit report. 

I am in disbelief that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated! As it is legally unlawful to report inaccurate info on my credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an affidavit that includes the original consumer contract with my signature on it ) that you have on file for the account listed below.I request an affidavit to verify the validity of these accounts.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.I demand that the following accounts be verified or removed immediately : Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Misleading and false information. This is a HIPPA violation you can not report medical information on my credit profile this a violation. XXXX  XXXX  XXXX INAccount Number : XXXXPlease remove it from my credit report. 
FDCPA section 807 Violation misleading false reporting. Account number is incorrect as well.XXXXAccount Number : XXXXPlease remove it from my credit report. 
3. FDCPA section 807 Violation misleading false reporting.XXXX  XXXXAccount Number : XXXX remove it from my credit report.4. Unverifiable and inaccurate information being reported which is a FRCA violation. FDCPA section 807 Violation misleading false reporting. The account number isnt listed, theres no way you can prove this is mineXXXX XXXXAccount Number : XXXXPlease remove it from my credit report. 
5. FDCPA section 807 Violation misleading false reporting.XXXX  XXXX XXXXAccount Number : XXXXPlease remove it from my credit report. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

They've exceeded the 30 days, they've lied about not receiving my first letter, and they are falsifying information on my credit report and are in violation of putting incorrect and information on my report that I didn't authorize.

Company response to consumer: Closed with explanation