Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: TN
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:
Equifax did not investigate about inaccurate information that is reporting negative on my credit report. The company name XXXX XXXX XXXX do not even exist the address is wrong. Equifax has not verified nothing. Equifax even still have my wrong address on my credit report showing that I stay at a previous address and current address on the same month and year. I have been living here at my current address for now since XXXX. My grandmother house which my family are the gospel singers name XXXX XXXX XXXX that song for the XXXX President XXXX XXXX XXXX of the XXXX. Wild I cant believe they even messed this up the family Historic home that are in the Archives in Washington XXXX songs XXXX XXXX XXXX XXXX ( Was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and many more that people even sing today. The United States Postal Service has verified that the address reporting on my credit report do not EXIST. Who did Equifax verified this information with for this information is WRONG. Also I have sent a certified postal mail to XXXX XXXX at XXXX. XXXX XXXX, XXXX, TX. XXXX to because the address Equifax verified wrong of XXXX XXXX, XXXX. XXXX XXXX, XXXX, MN. XXXX and I paid {$7.00} & more for how much money I have spent out and I keep ALL Receipts even of food. I am Requesting under Federal Law of the FCRA. Requesting For VALIDATION that is made pursuant to my name title and section and Fair Credit Reporting Act SubSection 611 ( a ) ( 1 ) [ 15U.S.C.SubSection 1681i ]. Asking under the Law that XXXX XXXX offices provide me with competent evidence that I have any legal obligation to pay them. Provide me with copies of any papers that show a legally signed contract between XXXX XXXX and I and NOT ANY THIRD PARTY. I HAVE NOT RECEIVED NOTHING. I ask also for XXXX XXXX to PROVE that the Federal Statute of LIMITATIONS has not expired on the account, of Federal Communications Commission States 2 years, again I have not received nothing. I also stated At this time I will also inform XXXX XXXX that if any of their offices have reported invalidated information to any of the XXXX major Credit Bureaus ( EQUIFAX, XXXX, XXXX, or XXXX XXXX this action might constitute fraud under both Federal and State LAWS. Due to this fact, if ANY NEGATIVE MARK IS FOUND ON MY CREDIT REPORTS BY XXXX XXXX XXXX  or the COMPANY THAT YOU REPRESENT I WILL NOT HESITATE IMMEDIATELY SUE in bringing in LEGAL ACTION AGAINST XXXX XXXX AND ANY CREDIT REPORTING BUREAU FOR THE FOLLOWING : Violation of the FAIR CREDIT REPORTING ACT, Violation of the FAIR DEBT COLLECTION PRACTICES ACT, Defamation Of Credit Character which is also Emotional distress of all of this stress that the CREDIT REPORTING AGENCY which is the Credit Bureau, and Credit Fraud of Hacking My Credit Information Without My Consent. I HAVE RECEIVED NOTHING IN THE MAIL FROM XXXX XXXX PERIOD. So where is EQUIFAX CREDIT REPORTING BUREAU IS GETTING THIS INFORMATION FROM THEY HAVE VIOLATED THE LAW AND THIS SHOULD BE REMOVED FORM MY CREDIT REPORT AT ONCE. Also, I ask XXXX XXXX IF your offices are able to provide the proper documentation as requested in this letter, I will require at least 30 days to investigate this information and during such time ALL COLLECTIONS ACTIVITY MUST CEASE AND DESIST. Also, during this validation period, if any action is taken which could be consider detrimental to any of my credit reports, I will consult with my legal attorney for suit. This includes any listing of any information to a CREDIT REPORTING REPOSITORY that could be inaccurate or invalidated. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, OR REPORT ANYTHING TO CREDIT REPORTING REPOSITORY, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST SHALL BE SENT POSTAL MAIL TO ME IMMEDIATELY. This letter was signed and notarized by State of Tennessee Notary Public on XXXX day of XXXX, XXXX, by XXXX XXXX which his commission expires on XX/XX/XXXX. I have pictures of ALL DOCUMENTS. This is my last time if Equifax Credit Bureau in XXXX, Georgia DO NOT REMOVE THIS INACCURATE INFORMATION I WILL EVEN SUE FROM XXXX WHEN THEY LET MY INFORMATION GET OUT THE FIRST TIME BY HACKERS.

Company response to consumer: Closed with explanation