Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: LA
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:
To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
This letter is regarding account ( EVERYTHING IN RED, ARE INACCURATE, UNVERIFIABLE ACCOUNTS ) XX/XX/XXXXAUTO FINANCE | XXXX {$1500.00} Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Date OpenedXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX | XXXX {$950.00} Date OpenedXX/XX/XXXX XX/XX/XXXX | XXXX {$38.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} Date Opened XX/XX/XXXX, which you claim Account : XXXX {$1500.00} of an open and Late Auto Loan, Account XXXX {$1700.00} written off Secured Loan, Account XXXX {$950.00} unsecured collection account, Account XXXX {$38.00} unsecured collection account, Account XXXX {$1500.00} closed note loan transferred and written off, Account XXXX {$250.00} a collection. This is formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

These account numbers listed include Xs instead of full numbers, this is inaccurate information on my report. 

Please also be aware that any negative mark found on my credit reports ( including XX/XX/XXXX, XX/XX/XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the erroneous entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal again against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is request for information only, and is not a statement, election, or waiver a status. 

My contact information is as follows : XXXX XXXX XXXX XXXX this is printed not signed ) P.S. Please be aware that dependent upon your response, I may be detailed any potential issues with your company via and 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 Generals Office CC : Better Business Bureau Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation