Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: AZ
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:
On XXXX, I wrote to you requesting an investigation into items I believed were INACCURATE AND UNVERIFIED. In my previous request, I clearly listed my reasons for disputing the information despite your stall tactic to state that information is needed. I have however enclosed it again while documenting this entire process. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission and the CFPB notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

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 XXXX  v. XXXX XXXX XXXX., NoXXXX XXXX  ( C.D.Cal. XXXX XXXX XXXX  ), you will be liable for your willful non-compliance. 

Please see my reasons to dispute below : 1. The following account is not mine XXXX XXXX Account Number : XXXX - Please remove the inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX -Please remove the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX - Please remove the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX - Please remove the inaccurate information from my credit report. 


5. The following account is not mine XXXX  XXXX Account Number : XXXX - Please remove the inaccurate information from my credit report. 


6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX -Please remove the inaccurate information from my credit report. 


7. The following account is not mine XXXX XXXX Account Number : XXXX - Please remove the inaccurate information from my credit report.

8. The following account is not mine XXXX XXXX Account XXXX : XXXX -Please remove the inaccurate information from my credit report. 


9. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX -Please remove the inaccurate information from my credit report. 


10. The following account is not mine XXXX XXXX Account Number : XXXX -Please remove the inaccurate information from my credit report. 


11. The following account is not mine XXXX XXXX  Account Number : XXXX  -Please remove the inaccurate information from my credit report. 


12. The following account is not mine XXXX XXXX -Account Number : XXXX Please remove the inaccurate information from my credit report. 

Please remove all non-account holding inquiries over 30 days old. 
Please add a XXXX XXXX  to my credit file. 
Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you had 30 days to complete this investigation and you failed as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. 

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 ( 5 ) 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 e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury 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 : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation