Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, The information attached represents again as yet another rightful attempt on my part to work with Equifax so together we can better resolve this issue before I have no other choice other than consider taking legal action versus Equifax seeking not only monetary damages and awards versus Equifax but as well penalties withstanding for each all and any of Equifax injurious, negligent, reckless, non-compliant reported items of sophistry, be i t. Equifax reporting deviations are costing me unfair disapprovals of credit, and unjustly excessive interest rates. 

There is an INACCURATE and MISLEADING Chapter XXXX Bankruptcy that is reporting on my consumer report with discrepancies. 

The discrepancies are listed below and ATTACHED : XXXX has NO BANKRUPTCY REPORTED! 

XXXX : Reported Filing Date is XXXX Equifax XXXX Reported Filing Date is XXXX XXXX has NO BANKRUPTCY REPORTED! 

XXXX : Bankruptcy Name Reported is listed as : U. S. Bankruptcy Court Equifax : Bankruptcy Name Reported is listed as : Federal XXXX has NO BANKRUPTCY REPORTED! 

XXXX : Reported Closing Date : XXXX Equifax : Reported Closing Date : MISSING INFORMATION NO CLOSING DATE LISTED XXXX has NO BANKRUPTCY REPORTED! 

XXXX : Reported Reference Number : XXXX Equifax : Reported Reference Number : XXXX XXXX has NO BANKRUPTCY REPORTED! 

ONCE AGAIN I HAVE ATTACHED ALL PROOF OF THE DISCREPANCIES LISTED ON MY CONSUMER REPORT THAT IS CAUSING ME A GREAT DEAL OF HEALTH PROBLEMS! 

Iam furnishing to you the following options for adequate modification ( XXXX ) : So, we are each acting in transparency, please understand that I will accept no less than the confirmed regulatorily expected reported lawfully compliant claims ) information versus me to be alleged yet uncontested. All claims MUST be to a maximum POSSIBLE ACCURACY and MAXIMUM POSSIBLE COMPLETENESS, yet these claims ) aspects are more exposing of reporting deviations or inadequacies elsewise, each potentially jeopardizing the integrity of the claim ( s ) alleged ( SEE CDIA 's CRRG 3-4 ). In fact, Iwill allow you up to XXXX from the receipt of this letter to behave with undeniable adequacy and fairness muchless with sure maximum possible correctness and completeness in total compliance of reporting requirements expectable of and from you, else legal action may well be the direction I have elected to have then taken. If I take legal action, I pledge to you that the cost will be much more damaging to your company. It will benefit both parties to take immediate action. By selecting one of the available options Ihave provided, Iwill consider this matter settled and pursue no further action ( s ). I must solicit for the affirmation ( s ) of certifiably compliant reporting in agreement with each any and all aspects of I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as ti was constituted and who can testify that the debt was incurred legally, was not subsequently questionable as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period ti may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. I am asking Equifax to Demonstrate now the Proof each any and all claimS ) P.s. My NEXT letter will be a notification of my LOITS!! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of F R A COMPLIANCE and also of the implemented CRSA enacted CDIA implemented XXXX Compliance mandates as well. I will demand verification that each employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the XXXX XXXX data field formatted reporting standards. I am NOT shy ni detailing my DOUBTS you can withstand the requisites to survive a court hearing versus me as l e v e r a g e your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, let 's do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows.

Company response to consumer: In progress