Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: TX
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:
1. Re : This is certifiably not an ordinary debate. Make a move quickly you are in infringement. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regards to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my customer record. I plan to seek after case as per the FCRA to look for help and recuperate all money related harms that I might be qualified for under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated things recorded beneath are not erased right away. A duplicate of this letter just as INACCURATE ERRONEOUS ITEMS shipped off you already will likewise turn out to be important for a conventional protest to the Federal Trade Commission and will be utilized as proof in forthcoming prosecution furnished you neglect to consent to this proposal of settlement. 

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unconfirmed things recorded underneath still stay on my credit report infringing upon Federal Law. You are needed under the FCRA to have a duplicate of the first loan bosses documentation on record to confirm that this data is mine and is right. In the aftereffects of your examinations, you expressed recorded as a hard copy that you " confirmed '' that these things are being " accounted for effectively ''? Who confirmed these records? You have NOT given me a duplicate of ANY unique documentation ( a shopper contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Besides you have neglected to give the technique for confirmation as needed under Section 611 ( a ) ( 7 ). Kindly be prompted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " ... promptly DELETE all data which can't be confirmed. '' I'm reaching you about the bargaining of my government managed retirement number. I'm a survivor of Identity Theft. I reached the Federal Trade Commission and documented a grievance # I'm a survivor of wholesale fraud and I write to debate certain data in my record coming about because of the wrongdoing that I as of late got mindful of. The things I am questioning don't identify with any exchanges that I have made or approved. Kindly REMOVE this data at the most punctual conceivable time. 

Kindly know that subject to your reaction, I might be specifying any likely issues with your organization through an online public official statement, including documentation of any potential little cases activity. I'm likewise including a duplicate of my grumbling to the associations underneath : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX, XXXX XXXX  XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and protection CC : Federal Trade Commission CC : State Regulatory office CC : California Regulatory office Division of purchaser protests 2. As per 15 usc 1611 XXXX  XXXX  and Equifax is criminally at risk. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. What's more, they are responsible for each fdcpa infringement according to 15 usc 1692k. I'm requesting they eliminate this supposed obligation from my customer reports, dispatch installments to me for infringement and apologize.

Company response to consumer: Closed with explanation