Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Re : Failure to re-investigate : request for damages under the FCRA To whom it may concern : On XX/XX/2021, I mailed you a letter disputing [ inaccurate and /or incomplete ] information contained in consumer reports compiled, maintained, and published by you allegedly concerning the following. 
[ XXXX XXXX XXXX {$10000.00} ] [ XXXX XXXX XXXX  {$10000.00} ] ]. As per XXXX XXXX  or my ] records, you received my dispute letter on [ XX/XX/2021 ]. Accordingly, as per the FCRA, you were required to conduct a reasonable re-investigation and [ modify or delete ] the disputed information as I requested before the end of the 30 days on the date on which you received my dispute letter. Here, you received my dispute letter on [ XX/XX/2021 ; therefore, your response was due on or before [ XXXX XXXX : 30 days + ]. Instead of sending me a report letter with the results of your investigation of the disputed information, you mailed me a letter dated [ XX/XX/2021 ], claiming [ XXXX ]. 

You willfully failed to [ modify or delete ] ] the disputed information as I requested. Instead of [ modifying or deleting ] the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ Falsely stated my account was VERIFIED ]. However, your excuse or assumption is not a valid reason under the FCRA, to not investigate my dispute. Note, you have not made any Nor have you sent me a notice of such a determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to re-investigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall pursue [ modify or delete ] the disputed information. Additionally, as per FCRA, you are liable to me for damages for your conduct. Thus, in addition to your [ modification or deletion ] of the disputed information, you are commanded to send a {$1000.00} check payable to the order of [ XXXX XXXX ] XXXX 

Be advised, this is not another dispute or opportunity for you to re-investigate a previous dispute. The allowable period to conduct such a re-investigation has expired and shall not be extended by law.

Within [ 14 ] days, ( 1 ) [ modify or delete ) the disputed information as requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) sent me the {$1000.00} check to my mailing address listed above. 

I submit dispute letters to all three credit bureaus XXXX, XXXX, and Equifax, to find out that my information was so-called " verified ''. by XXXX XXXX. Which is false important. I had placed a freeze on my credits also XXXX XXXX send me a letter stating they never verified any to the credit bureaus. Also, this debt from XXXX XXXX XXXX is not mine. I send several letters and police reports to all three credit bureaus to find no one updated the system and this debt is still reporting open on a closed account. I'm overwhelmed with this process that I'm becoming depressed with trying to get these items reported. I then see on the local news that all three credit bureaus XXXX, XXXX, and Equifax are under scrutiny for throwing dispute letters in the garbage, so this is why my information hasn't been reported accurately. 


Sincerely,

Company response to consumer: Closed with explanation