Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern:
This letter is a formal statement of concern based on your recent actions. I have in my 
possession an inaccurate copy of my consumer credit report from the Corporation and your 
financial agency. This report was lawfully obtained by me, through the declaration of the rights
granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item 
when it appears on a consumers credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The Fair Credit Reporting Act specifically details that all items within a consumers credit report
must be reported with 100% accurate information (not 99.9% or less), must be 100% verifiable
(not 99.9% or less), must be 100% complete information (not 99.9% or less), and must only 
be reported during the allowable reporting periods as detailed in the Act for the specific item as 
it appears. Given your previous irrelevant responses and the fact that the above account keeps 
coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So 
therefore, please provide such proof, as defined by law, in which you must have on file that 
would assert to the lawful reporting of the above account and that this item does not violate the 
Fair Credit Reporting Act as detailed above. Please provide proof that the information as 
contained on the reported trade- line is in fact 100% Accurate, Complete, Verifiable, AND 
Timely. Please do not provide some generic print-out or some generic statement as this would 
insult my intelligence as an educated individual and would further perpetrate the continual acts 
of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study
proved that over 79% of consumer credit reports contain errors. Another report shows that 
more than 90% contain errors. Why does your company continue to operate with such low 
standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized 
report detailing that the reporting of this item is not violating my constitutional rights is hereby 
requested. The continued reporting of this item in its negative state is causing me severe 
financial and emotional distress. If I must pursue litigation to protect my rights as granted 
under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit 
Transactions Act, Fair Credit Billing Act, XXXX, SSCRA, as well as any other statutes and/or laws 
that would apply to me and my circumstances, then I am fully prepared and willing to take any 
and all necessary measures to do so. I formally request the immediate deletions of these 
items, as it is not complying with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A 
precedent has certainly been set by the flagrant disregard to accuracy as displayed in the 
consumer study results. So if litigation is necessary a pro-se representation will be prepared, 
and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or 
less, to avoid any unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this 
request and greeting your mistakes CORRECTED. 
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO XXXX XXXX XXXX
Regards,
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection
Bureau1700 G. Street NW Washington, D.C. 2055
CC: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CC: Consumer Financial Protection Bureau via fax (855) 237-2392
CC: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Senate XXXX: Federal Deposit Insurance Corporation
CC: Comptroller Of The Currency
CC: Federal Reserve System
CC: XXXX XXXX XXXX
CC: Federal Trade Commission
CC: State Regulatory agency

Company response to consumer: Closed with non-monetary relief