Consumer complaint received 2021-12-01
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:
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX  verification is unacceptable. I am requesting a re-investigation along with your method of verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Reason : Unverified account Specifically, I am requesting full validation & verification from Equifax including copies of any documentation associated with this XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) which bear my signature. According to the FCRA, you must have documentation on file at your office in order to report legally. According to the FCRA, you have 30 days to investigate and reply with deletions. 1. Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. Please send information from YOUR database. Not information that you have to acquire from XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) for the investigation. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) can alter information for your benefit. In the absence of such documentation, I request that this XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) be permanently removed from my XXXX XXXX report. Violations : The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. [ 15 US Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) ] 1. If after you investigation you can not provide physical documentation from YOUR office, you would be of [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ]. This violation carries up to a {$1000.00} fine, that I intent pursue if your investigation come back with incomplete and unverified information. Before you return with an incomplete and unverified process, you are required to promptly DELETE all information which can not be verified '' according to Section 611 ( 5 ) ( A ) of the FCRA. 2. If you do not delete the account ( s ) that is/are being disputed in this letter and you failed to provide/locate verifiable proof. You are in violation of FRCA Section 611 ( 5 ) ( A ). This violation carries up to a {$1000.00} fine, that I intent pursue the results of your investigation carries no merit or verifiable documentation from YOUR office and you send me the results of the investigation stating the accounts being dispute are " verified ''. 3. The information you are reporting on my XXXX report, has known errors that you are received from the furnisher. I did not, at any time, receive documents from the furnisher regarding this XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) nor that this account was to be reported to your organization. There are you are reporting inaccurate information. [ FCRA Section 623 ( a ) ( 1 ) ( A ) ]. Unless you have verifying documents from the furnisher regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) within the documents. You are required topromptly DELETE all information which can not be verified '' according to Section 611 ( 5 ) ( A ) of the FCRA. Not removing this account based on this violation carries a {$1000.00} fine that I expect to collect

Company response to consumer: Closed with explanation