Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This letter is a formal complaint that you Equifax are continuing to report inaccurate invalidated credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only XXXX accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 

The following invalidate account information should not be being illegally displayed on my Equifax credit report! 

RE-INSERTED ADDRESSING INFORMATION : XXXX XXXX XXXX XXXX XXXX CO XXXX REPORTED- XXXX XXXX XXXX XXXX XXXX CO XXXX REPORTED : XX/XX/2016 I HAVE NEVER RESIDED AT THESE ERRONEOUS ADDRESS CURRENTLY BEING ILLEGALLY REPORTED ON MY EQUIFAX CREDIT REPORT. I WOULD LIKE TO KNOW WHY EQUIFAX HAS RE-INSERTED THIS INACCURATE ADDRESSING INFORMATION BACK ON TO MY EQUIFAX CREDIT REPORT? AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT LAWS! TO CONTINUE TO REPORT THESE INACCURATE INVALIDATED ADDRESS. 
THESE INACCURATE ADDRESS SHOULD BE COMPLETELY REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

XXXX # XXXX I HAVE THE LEGAL RIGHT TO REQUEST THAT THIS ALLEGED CREDITOR, PROVIDE ME WITH A VALIDATION OF THIS ALLEGED DEBT! I AM NOT REQUESTING A VERIFICATION. AS I HAVE NEVER DONE ANY BUSINESS WITH THIS ALLEGED CREDITOR THAT IS CURRENTLY BEING ILLEGALLY DISPLAYED ON MY EQUIFAX CREDIT REPORT! AS OF XXXX XXXX, 2016 I HAVE NOT RECEIVED THE REQUIRED DOCUMENTS AS PER THE LAW REQUIRES FIRST PREMIER BANK TO PROVIDE ME WITHIN THE 30 DAY TIME FRAME ALLOWED TO XXXX BY LAW! AS XXXX IS IN FACT NO DOUBT AWARE THAT IT IS A KNOWINGLY AND DIRECTLY VIOLATING THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICE ACT, AND COLORADO STATE AND FEDERAL STATUTES TO CONTINUE TO REPORT THIS ACCOUNT INFORMATION AS ACCURATE, WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT IT IS. 
AS YOU TOO EQUIFAX ARE ALSO NO DOUBT AWARE THAT IT IS ILLEGALLY TO CONTINUE TO ALSO REPORT THIS ALLEGED ACCOUNT INFORMATION AS ACCURATE, WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT IT IS! I AM NOW DEMANDING COMPETENT PROOF IN WHICH THIS ALLEGED CREDITOR HAS LEGALLY PROVIDED TO YOU EQUIFAX ON MY BEHALF, THAT WOULD SHOW THAT THIS ALLEGED ACCOUNTS INFORMATION IS IN FACT ACCURATE. THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EQUIFAX TO REMOVE THIS INACCURATE ACCOUNTS INFORMATION FROM BEING ILLEGALLY DISPLAYED ON MY PERSONAL CREDIT REPORT! 

XXXX XXXX XXXX # XXXX ACCORDING TO MY RECORDS, I DO NOT HAVE AN ACCOUNT WITH THIS CREDITOR. 
I HAVE WRITTEN TO XXXX IN REGARDS TO THIS ACCOUNTS INFORMATION IN WHICH THEY ARE CURRENTLY REPORTING ON MY EQUIFAX CREDIT REPORT. AS OF XXXX XXXX, 2016 I HAVE NOT RECEIVED THE REQUIRED DOCUMENTATION IN WHICH THE LAW REQUIRES XXXX XXXX XXXX TO PROVIDE TO ME WITHIN THE 30 DAY TIME FRAME! AS XXXX XXXX XXXX IS IN FACT NO DOUBT AWARE THAT IT IS A KNOWINGLY AND DIRECT VIOLATION OF THE LAWS TO CONTINUE TO REPORT INVALIDATE ACCOUNTS INFORMATION ON MY PERSONAL CREDIT REPORT! 
AS YOU TOO EQUIFAX ARE KNOWINGLY AND DIRECTLY ALSO VIOLATING THE LAWS BY CONTINUING TO REPORT THIS INVALIDATED ACCOUNTS INFORMATION ON MY EQUIFAX CREDIT REPORT. I AM NOW DEMANDING THAT YOU EQUIFAX PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THIS CREDITOR HAS LEGALLY PROVIDED TO YOU THAT WOULD SHOW THAT THIS ACCOUNTS INFORMATION IS ACCURATE. 
THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING YOU EQUIFAX TO REMOVE THIS INACCURATE ACCOUNTS INFORMATIO

Company response to consumer: Closed with explanation