Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: TX
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:
1. Re : This is anything but a standard debate. Make a move promptly you are in infringement.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regards to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. I plan to seek after prosecution as per the FCRA to look for help and recuperate all financial harms that I might be qualified for under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated things recorded underneath are not erased right away. A duplicate of this letter just as INACCURATE ERRONEOUS ITEMS shipped off you already will likewise turn out to be essential for a proper grumbling to the Federal Trade Commission and will be utilized as proof in forthcoming case furnished you neglect to consent to this proposal of settlement.

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unconfirmed things recorded underneath still stay on my credit report disregarding Federal Law. You are needed under the FCRA to have a duplicate of the first leasers documentation on record to confirm that this data is mine and is right. In the consequences of your examinations, you expressed recorded as a hard copy that you " confirmed '' that these things are being " accounted for effectively ''? Who checked these records? You have NOT given me a duplicate of ANY unique documentation ( a buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " ... promptly DELETE all data which can't be confirmed. '' I'm reaching you about the compromising of my government managed retirement number. I'm a casualty of Identity Theft. I reached the Federal Trade Commission and documented an objection # I'm a casualty of data fraud and I write to debate certain data in my document coming about because of the wrongdoing that I as of late became mindful of. The things I am questioning don't identify with any exchanges that I have made or approved. If it's not too much trouble, REMOVE this data at the soonest conceivable time.

Kindly know that reliant upon your reaction, I might be specifying any possible issues with your organization by means of an online public official statement, including documentation of any potential little cases activity. I'm likewise including a duplicate of my grievance to the associations beneath : CC : XXXX XXXX  Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and protection CC : Federal Trade Commission CC : State Regulatory office CC : California Regulatory office Division of shopper grumblings 2. As per 15 usc 1611 XXXX XXXX  and Equifax is criminally responsible. They are politely responsible for twofold the measure of the money charge as per 15 usc 1640. Also, they are responsible for each fdcpa infringement as per 15 usc 1692k. I'm requesting they eliminate this supposed obligation from my customer reports, dispatch installments to me for infringement and apologize.

Company response to consumer: Closed with explanation