Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This will be my 2nd attempt of a written request to all bureaus to remove XXXX XXXXXXXX XXXX XXXX from my report. I sent a letter of validation to all three Bureaus along with my Id and copy of my social on the XXXX of XXXX certified mail. They have only 30 days to remove the account to verify. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that 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 ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed directly : 1. Erroneous Direct Violation Of The FCRA XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
2. Erroneous Direct Violation Of The FCRA XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
3. Erroneous Direct Violation Of The FCRA XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Erroneous Direct Violation Of The XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
5. Erroneous Direct Violation Of The FCRA 11 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
Please remove all non-account holding inquiries over 30 days old Please add a Promotional suppression to my credit file. 
Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby 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 : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury My contact information is as follows :, Date of Birth : XX/XX/XXXX SS # XXXX : 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 : o CC : Consumer Financial Protection Bureau o CC : Attorney Generals Office o CC : XXXX XXXX XXXX o CC : State Senate o CC : Federal Deposit Insurance Corporation o CC : Comptroller of The Currency o CC : Federal Reserve System o CC : Credit and Insurance o CC : Federal Trade Commission o CC : State Regulatory agency o CC : Texas Consumer Protection Division

Company response to consumer: Closed with explanation