Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: MD
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:
Re : This is certainly not a normal debate. Make a move promptly you are in infringement.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and Area 617 If it's not too much trouble, acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to agreeably 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 suit as per the FCRA to look for alleviation and recuperate all financial harms that I might be qualified for under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated things recorded underneath are not erased immediately. A duplicate of this letter just as INACCURATE ERRONEOUS ITEMS shipped off you beforehand will likewise turn out to be essential for a f ormal grievance to the Federal Trade Commission and will be utilized as proof in forthcoming suit furnished you neglect to agree with this proposal of settlement. 

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unsubstantiated things recorded underneath still stay on my credit report disregarding Federal Law. You are needed under the FCRA to have a duplicate of the first leasers documentation on record to check that this data is mine and is right. In the consequences of your examinations, you expressed recorded as a hard copy that you " confirmed '' that these things are being " accounted for accurately ''? Who checked these records? You have NOT given me a duplicate of ANY unique documentation ( a buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore you have neglected to give the strategy 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 compromising of my government managed retirement number. I'm a casualty of Identity Theft. I reached the Federal Trade Commission and documented a grumbling # I'm a casualty of wholesale fraud and I write to debate certain data in my record coming about because of the wrongdoing that I as of late became mindful of. The things I am questioning don't identify with any exchanges that I have made or approved. If it's not too much trouble, REMOVE this data at the most punctual conceivable time. 

If it's not too much trouble, know that subject to your reaction, I might be enumerating 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 protest to the associations beneath : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : XXXX XXXX XXXX, XXXX and 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

Company response to consumer: Closed with explanation