Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both dispute letters. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The inquiry was not authorized FCTUALDATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX FLORIDA Account Number : XXXX have not supplied proof under the doctrine of estoppel by silence. Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I may presume that no proof of the alleged debt, not therefore any such debt, in fact exist. 

4. The following account is not mine XXXX XXXX Account Number : XXXX have not supplied proof under the doctrine of estoppel by silence. Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I may presume that no proof of the alleged debt, not therefore any such debt, in fact exist. 

5. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Former : XXXX XXXX 7. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable. 

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 2 days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation