Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: AZ
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing to address the inaccurate, unverifiable and invalidated information in my consumer file which is in direct violation of the Fair Credit Reporting Act ( FCRA ). This letter serves as my final written offer of settlement before litigation as an attempt to amicably resolve the issue. 

According to the FCRA, I have the right to verify the accuracy of my report when it is required for employment purposes, receive notification if information in my file has been used against me in applying for credit or other transactions, dispute information in my report that is incomplete, inaccurate, and unverifiable, and remove outdated, negative information after a certain number of years. 

However, the unverified items listed below still remain on my credit report, which violates federal law. Under the FCRA, 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. 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 ). Furthermore, 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. '' I demand that you delete the following items immediately as they are either inaccurate, unverifiable, or invalidated : XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately! 

The following personal information is incorrect DATE OF BIRTH : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

The following personal information is incorrect DATE OF BIRTH : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please note that failure to comply with this offer of settlement may result in formal complaint to the Federal Trade Commission and litigation under Section 616 and Section 617 of the FCRA, which may entitle me to relief and monetary compensation. 

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation