Consumer complaint received 2023-05-12
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Violation of United States Code Law Dear Sir/Madam, I am writing to inform you that you have violated the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate, unverifiable, and invalidated information from my consumer file. Please take this letter as my final written offer of settlement before litigation. I intend to pursue legal action to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 of the FCRA if the inaccurate, unverifiable, and invalidated items listed below are not deleted immediately. 

As you are in direct violation of the FCRA, please be advised that a copy of this letter, as well as inaccurate erroneous items that were sent to you previously, will be part of a formal complaint to the Federal Trade Commission and used as evidence in any pending litigation provided that you fail to comply with this offer of settlement. 

You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information on my credit report is mine and correct. However, you have not provided me with a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), nor have you provided 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.

I demand that you delete the following items immediately as they are inaccurate, unverifiable, and invalidated. I entered the items and the outcome I desire below : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

21. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

23. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

24. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Failure to comply with the above demand may result in legal action being taken against your agency. As you are aware, the FCRA imposes civil liability for willful noncompliance and negligent noncompliance, as well as civil liability under Section 1692k.

I trust that you will act accordingly to resolve this matter amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation