Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
In response to CFPB complaint # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against EQUIFAX for continuing to invade my individual privacy by committing abusive, deceptive, and unfair credit reporting. EQUIFAX has failed to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX being an elaborate mechanism that was developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers must report with fairness and accuracy. A consumer reporting agency ( EQUIFAX ) shall block the reporting of ANY information in the file of a CONSUMER that the CONSUMER identifies as information that resulted from an ALLEGED IDENTITY THEFT, not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report. In my CFPB complaint # XXXX I attached a FTC REPORT XXXX XXXX that will be used when filing for litigation in Federal Court to this complaint and complaint # XXXX. There is no statute of limitations on fraud and because I never contracted with XXXX XXXX  XXXX and XXXX XXXX XXXX  have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c ) I have not validated any alleged debt with XXXXXXXX XXXX XXXX and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. EQUIFAX " stated that they have completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX WE SHOW THAT YOU HAVE PREVIOUSLY DISPUTED THE SAME ITEM AND EQUIFAX IS EITHER CURRENTLY PROCESSING THAT DISPUTE OR HAS RECENTLY PROVIDED YOU WITH THE RESULTS. ". Is there a certain amount of times that a Consumer me XXXX XXXX being the consumer can dispute an inaccurate account on their consumer report if the consumer credit report agencies and the Financial institutions keep stating that the information is accurate when the consumer is the one that identifies the accuracy of their consumer report. I requested your method of validation which requires you to provide me with the name of the person you spoke with and the proof of validation however, the information was not provided to me as requested. Maybe you misunderstood my previous request so I will request it again and expect a response. If you are unable to provide this information request then I demand you delete this account from my consumer report. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXX XXXX any rights to collect nor report on my consumer report. It is my belief that you ( EQUIFAX ) and XXXXXXXX XXXX XXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. Keep in mind that I have never received any documentation requesting validation from you EQUIFAX nor XXXXXXXX XXXX XXXX  before XXXXXXXX XXXX XXXX and you EQUIFAX committed multiple VIOLATIONS under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If you can not provide me with proof such as a tracking number that XXXXXXXX XXXX XXXX provided that they attempted to lawfully validate this alleged debt with me the consumer, PRIOR to furnishing it on my consumer report, this has been a fraudulent furnish account with forethought and malice as an attempt to bring harm to me and my financial reputation and it needs to be REMOVE, DELETED AND BLOCK from my consumer report.

Company response to consumer: Closed with explanation