Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
After 2 letters were sent and responded to now a third letter recently the XXXX  account XXXX XXXX XXXX XXXX a collection agency for a original creditor XXXX XXXX still remain on my credit report in violation of federal Law. Equifax stated they Updated and verified this item belongs to me and is being reported correctly.. I ask each time WHO verified this as accurate? no answer to my question I ask What is their method of verification? no answer to my question I ask How did you verify this as accurate and belonging to me when both XXXX and XXXX  deleted this account right away after their real investigation? How did you verify this account belongs to me and is accurate when the original creditor stated they have no record of it??? If the original creditor XXXX XXXX is telling you it does not exist and that I am not even in there system than how on earth is it possible for you to verify that it is accurate and belongs to me?? Explain to me in detail how did you verify this as mine and accurate multiple times when the account does not even exist?? This is clear case of Equifax not doing a real investigation. This has caused damage to my life, I missed out on my chance on a home over this, I was denied credit because of Equifax willfully non compliance of federal law. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and Section 617 if the UNVERIFIED account listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you via certified mail previously will also become part of a formal complaint to FTC and shall be used as evidence in pending litigation provided you fail to comply and delete this unverified account ASAP. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX continues to falsify the records and reports on consumers. They fabricated account info and in doing so after my request for Validation { not verification } they did not provide me a HIPAA RELEASE that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be DELETED ASAP within the required time allowed by law. I will seek every legal remedy available to me an file suit against the credit bureau responsible for reporting this violation. I am urging you EQUIFAX to take this important matter extremely seriously and not to ignore this warning, as I have documented my case without error. I encourage a response from you ASAP. 

______________________________ I also sent letters to Equifax that I found UNATHORIZED inquirers that are still reporting unlawfully. I never gave XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX authorization to review or have access to my credit report. I ask Equifax 3 times and they have not provided me proof I gave these companies permission to access my credit file. I CONTACTED these companies they have NO proof I initiated such inquires, nor written authorization and have failed to provide any permissible purpose. Since they do not have my permission my authorization, written nor verbal I ask Equifax to DELETE THESE unathorized inquirers from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to the law I did not right the law but will enforce my rights to the law, According to section 604 of the FCRA permissible purposes of consumer reports 15 U.S CODE 1681b In general. Subject to subsection { a } any consumer reporting agency may furnish a consumer report under the following circumstances and no other : { f } otherwise has a legitimate business need for the information { i } in connection with a business transaction THAT IS INITIATED by the consumer.!!!

Under 15 U.S code 1681 Paragraph { 5 } Treatment of inaccurate or Unverifiable information { A } In general. if 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!!!!!!!!!!!!! 

Delete XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation