Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving my recent disputes in XX/XX/XXXX XX/XX/XXXX from XXXX, Equifax and XXXX. I received a letter saying that the accounts are reported accurate. It is impossible to have an account be accurate after without showing me any factual documents with any wet signature with my name like i will mentioned. I am concerned about the validity and accuracy of your recent investigation of Fraudulent Erroneous Inaccurate Accounts : 1. XXXX XXXX # XXXX {$12000.00} 2. XXXX XXXX # XXXX {$12000.00} 3. XXXX XXXX # XXXX {$25000.00} : INQUIRIES/Non-verifiable inquiries : 1. XXXX XXXX/XXXX XXXX XX/XX/XXXX 2.  XXXX XXXX/XXXX XXXX XX/XX/XXXX. 3. XXXX XXXX XXXX XX/XX/XXXX. 4. XXXX XXXX  XX/XX/XXXX. 5. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX that is reporting on my credit report. On XX/XX/XXXX, I requested an investigation because I felt the item is not being reported legally, on XX/XX/XXXX through XX/XX/XXXX I received a letter stating that your investigation was complete but, Please explain to me how you conducted your investigation! This is my response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from the credit bureau. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq.

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
7. If you reply yes to the above then : Who did you speak with? 
What was the date? 
How long was the conversation? 
What was their position? 
What number did you call? 
What is the name of your employee that spoke directly to the above party? 
What is the position of your employee that spoke to the above party? 
How long has that individual been employed by your company? 
What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party? 
8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question. 
9. Please provide the date of the commencement of delinquency. 
10. Please provide the SPECIFIC date reporting of this item will cease. 
Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account ( s ) in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro se and will formally request a jury trial. I have asked consistently for you to send me any factual original contracts with my wet signature. I also asked for you to tell me what steps were taken to verify the account on your part? I would like to know every step that was taken the name, address, individual who were on my case and dispute. I've mentioned that the accounts were fraudulent and errors. You insisted to send me a letter mentioning that the creditor mentioned that the account was verified and accurate. I am allowing less that a week for this situation to be resolved within an internal investigation. Provide factual original documents with a wet signature showing my personal signature. By law if you do not respond to this message showing me what i asked for, factual documents/original documents, actual dates, actual phone conversations, emails, verification process, the name of the humans who actually verified the information from the credit bureaus, and the actual creditor they spoke to, or any emails that were sent through both parties to verify the accounts and procedures. The accounts must be removed permanently and Immediately by law. You are in violation of several laws through sections FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. It is in violation for a reporting agency to report inaccurate verifying financial information on a consumer without providing factual documents, Credit bureaus fail to follow guidelines for handling disputes which i am aware of as a consumer. Being that my information was leaked in several recent breaches, i sent information proving that the accounts don't belong to me. I recently received a letter mentioning that the investigation is over. It is impossible and i feel truly violated that there weren't a professional procedure done to assure the accuracy of my credit report, as the credit bureaus you must follow proper procedures and protocols, such as conducting an investigation, correcting inaccuracies or removing a disputed debt that couldn't be verified correctly. This is the final attempt to resolve this matter and i am allowing an internal investigation for only 3 to 5 business days. I will not allow a credit bureau to determine that accounts belonged to me. This is ludicrous and as a consumer i have the right to dispute inaccuracies on my credit report that don't belong to me. If you continue to report inaccurate information generating a false statement from the credit bureaus so call verifying inaccuracies i will immediately file a lawsuit. If you attempt to shut the down this investigation i will be sure to present every piece of evidence including paper work, phone calls and voice messages threatening me and calling at my job and calling at my residents all times of the night, emails, recorded phone conversations, all the documents. This isn't a threat.

Company response to consumer: Closed with explanation