Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Intent To File Lawsuit for FCRA Violation YOU BROKE THE LAW!!! 
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. 

DELETE THE FOLLOWING INACCURATE AND UNVERIFIABLE ACCOUNTS FROM MY CONSUMER REPORT. 

XXXXXXXX XXXX ACCOUNT # : XXXX XXXX. XXXX XXXX XXXX ACCOUNT # : XXXX XXXX. XXXX XXXX XXXX XXXX # : XXXX PURSUANT TO 15 USC 1681i- I have sent a previous letter to you, that your company received XX/XX/2022, all by certified mail ( receipt enclosed ) requesting that you remove this inaccurate information from my file and you have failed to do so WITHIN 30 DAYS OF RECEIVING the letter and DID NOT provide proof of investigation nor verification when YOU finally responded XX/XX/2022. 

PURSUANT TO 15 USC 1618 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. This inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was also not notified when during your initial investigation that you were going to report this information. 

PURSUANT TO 15 USC 1681 ( a ) ( 4 ) - You did not insure that this information was accurate nor did you exercise your GRAVE responsibility with fairness and impartiality. You took only one side of the story and never consulted with me to find out if these transactions even took place. As aresult of this MY PRIVACY WAS BREACHED, and this is a violation of my right to privacy.

PURSUANT TO USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

PURSUANT TO USC 1681a ( B ) - Any authorization of a specific extension of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did properly investigate is categorized as a transaction that was issued from a credit card. Credit card is defined under 15 usc 1602 ( I ).

PURSUANT TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it very clear that consumer report SHOULD NOT include transactions between the consumer and the person making the report. These alleged transactions that you are reporting, and failed to properly investigate, whether or not if factual took place, can be categorized as a transaction that took place between the consumer and the person making the report, and this in fact is a violation of my consumer rights.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated MY RIGHTS and the Fair Credit Reporting Act.

If this final request does not prompt you to DELETE these accounts in question YOU HAVE 15 DAYS to send proof to me of said investigation, proof of verification, as well as proof of my written permission for your company to report my personal information. I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation