Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently, I requested my consumer credit report maintained by your agency and discovered numerous unverifiable, invalidated and questionable items that your agency didnt make sure were reporting 100 % correct. This has caused me pain and suffering, including recission of job offers, severe XXXX, stress, XXXX  and other undue hardships. As a consumer by law, I have rights that are being violated by your negligent actions. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Under 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and/or the information listed below from my consumer report : 1. XXXX XXXX # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. 
2. XXXX XXXX ACCOUNT # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. Furthermore, starting in XXXX of XXXX, the creditor prevented me from making payments on the account as the consumer acting in a co-borrower capacity on the account was undergoing Bankruptcy proceedings and the debt was ultimately discharged and included in their consumer bankruptcy proceedings. 
3. XXXX XXXX ACCOUNT # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. 
( Continued on Next Page ) 4. XXXX XXXX XXXX ACCOUNT # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. Furthermore, starting in XXXX of XXXX, the creditor prevented me from making payments on the account as the consumer acting in a co-borrower capacity on the account was undergoing Bankruptcy proceedings and the debt was ultimately discharged and included in their consumer bankruptcy proceedings. 
If you are unable to provide me a copy of verifiable proof within fifteen ( 15 ) days after your investigation, you must remove the accounts and/or the information listed above. Please note that you have thirty ( 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 the determine the accuracy and completeness of each of the above referenced items is hereby requested as well, to be provided within five ( 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 OTHER MEANS OF AUTOMATED VERIFICATION.

Also, please provide me with an updated copy of my consumer report showing all the invalidated and unverifiable information has been removed. I am also requesting that an updated copy of my report be provided to anyone who may have requested a copy of my report in the last ninety ( 90 ) days.

Failure to respond satisfactorily within thirty ( 30 ) days of receipt of this certified letter may result in 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 5. Penalty of Perjury 6. 15 U.S.C. 1692g 7. 15 U.S.C. 1692a 8. 15 U.S.C. 1681 ( 4 ) ( A ) ( B ) ( 2 ) Misleading and False Reporting My contact information is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX || DOB : XX/XX/XXXX Please also be aware that dependent upon your response, I may be detailing any potential issues with your company via online and offline public press releases, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations listed below. 

Thank you for your prompt attention and resolution of this matter. 


XXXX XXXX XXXX XXXX XXXX. 


CC : XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX XXXX XXXX. Consumer Financial Protection Bureau. NY State Attorney Generals Office. Office of the U.SXXXX Attorney General. XXXX XXXX XXXX. NY XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX. New York XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Federal Trade Commission. NY State Banking XXXX. New York State Department XXXX XXXX XXXX. Comptroller of the Currency. 

Enclosures : Social Security Card, Drivers License and Current Bank statement for identity verification purposes only.

Company response to consumer: Closed with explanation