Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
To Whom it may concern, 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 as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. Please remove immediately. 
XXXX XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. Please remove immediately. This account has also reached its statute of limitations on debt in New Jersey and can no longer be collected on. Please REMOVE IMMEDIATELY. 
XXXX XXXX XXXX- The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as it has been settled via the creditor as they issued ME a check via mail for damages. Please remove this account IMMEDIATELY. 
XXXX XXXX XXXX XXXX This account has also reached its statute of limitations on debt in New Jersey and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. 
XXXX XXXX - This account has also reached its statute of limitations on debt in New Jersey and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. 
XXXX - This account has also reached its statute of limitations on debt in New Jersey and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. 
XXXX - This account has also reached its statute of limitations on debt in New Jersey and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY. 
XXXX XXXX Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX P - Pursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX  XXXX XXXX  - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX XXXX - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX This is my THIRD attempt to remove this debt. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as it DOES NOT belong to me. Pease send validation of alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately.

Company response to consumer: Closed with explanation