Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days any request for more time is a violation under the fair credit reporting act As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete.

Thank you, 30 days Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately  : Account Name : XXXX XXXX XXXXReason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX XXXX  XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Account Name : XXXX   XXXX. Reason : You failed to verify and validate all data for this account,

Company response to consumer: Closed with explanation