Consumer complaint received 2015-10-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed items on my Consumer Report that do not belong to me with Equifax from XX/XX/XXXX. I have also contacted the VA Federal Bankruptcy Court at XXXX XXXX XXXX, XXXX, VA at XXXX with respect to the inaccuracies being reported on my file from following accounts ; 1. Bankruptcy # XXXX. Bankruptcy # XXXX. XXXX. XXXXXXXXThe courts stated that they DID NOT provide any information to Equifax and that the company had a XXXX party upload information from Pacer to XXXX. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX XXXX, XXXX ( XXXX XXXX ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. Information was sent to Equifax for the purpose of establishing the fact of forgery in addition to blocking the enclosed information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2, and send the required notice to all businesses that supplied this information. Equifax continues to deny me my rights by not properly investigation the dispute ( s ). Additionally, Equifax continues to deem fraudulent accounts verified when the alleged furnisher has not provided any authenticating documents to substantiate their claim. A credit reporting agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( 3 ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information may cause the consumer. See : XXXX XXXX ( XX/XX/XXXX ). I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( 15 U.S.C. 1692g ), for verification/validation of the debt including the following ; A. Copies of all information regarding the above-referenced debt, including statements, reports, ledgers, correspondence, notes, origination documents ( including any and all application and usage/activity signatures ) and documents relating to any assignment of such account to and/or from any third parties. 

B. All quantitative entries, such as, dates, payments, credits, finance charges, penalty fees, collection commissions, and attorney fees. 

C. Provide me with a complete description of your client 's identity, including the full name ( s ), address, state and local license ( s ) in addition to their state and federal tax numbers. 

D. Provide me with an original consumer contract with my " wet-ink '' signature on it. 
Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed and the Courts that Equifax alleges provided verification has not provided any. I have been injured by Equifax and its Agents failing to investigate properly. I demand my rights as a Victim of ID Theft and a Consumer.

Company response to consumer: Closed with explanation