Consumer complaint received 2023-05-10
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 XXXX XXXX XXXX   SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Dear Equifax Information Services LLC, I am writing this letter to address the continued violation of the Fair Credit Reporting Act ( FCRA ) by your organization. Please consider this my final offer of settlement before litigation, as my intention is to amicably resolve this issue. 

As per the FCRA, I demand that you delete any inaccurate, unverifiable, and invalidated information from my consumer file immediately. Failure to do so may result in me pursuing litigation in accordance with FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. 

Furthermore, I would like to remind you that your organization is in direct violation of the FCRA, and the unverified items listed in my credit report still remain in violation of federal law. You are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. '' 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 ). Additionally, you have failed to provide 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. '' As a litigious consumer, I fully intend to pursue litigation in this matter to enforce my rights under the FCRA. Therefore, I demand that the following items be deleted immediately as they are either inaccurate, unverifiable, or invalidated : Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX  XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Please remove all the above items from my credit report. I recently applied for extended credit and was denied. I am in distress because of your mistakes, and I expect prompt and immediate action to rectify the situation. 

Kindly note that the FCRA provides clear guidance on civil liability and the remedies available to me ( Section 616 & 617 ) if you fail to comply with federal law. 

I hope that you will take this offer seriously and take prompt action to address the issues raised. Please consider this letter as a formal complaint to the Federal Trade Commission and evidence in pending litigation if you fail to comply with this offer of settlement. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation