Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Certified Mail # XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Request to Remove Inaccurate and Unauthorized Hard Inquiries This letters is to inform you that you did not respond ( or provide a proper response ) to the disputes regarding the following hard inquiries in my credit file : XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to.

Your failure to delete the disputed accounts that you can not verify after two written requests is prima facie evidence that no records exist, nor has any such verification occurred. I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Thank You Re : Correction of Inaccurate Personal information : Invalid Names, Invalid Addresses and Invalid Phone numbers After reviewing a credit report issued by you. I have found many errors. The credit report number is XXXX. 

Specifically, these errors are in the Personal Information section. I am seriously concerned about identity fraud and feel that having inaccurate information on any credit report can become an opportunity to open me up to identity theft, which I, as a knowledgeable consumer would like to avoid. 

My correct and ONLY address is : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX, XXXX, Arizona XXXX The inaccurate information I need removed IMMEDIATELY are mentioned below : XXXX. The incorrect addresses XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, WI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX are not my address. 

Please accept my proof of identity and address in the form of the enclosed documents so that I XXXX have a completely accurate credit report. 

Please delete these disputed items. Thirty ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report. 
Thank you, Enclosed : copy of Personal Information section of recent credit report, US Passport Card and recent copy utility bill

Company response to consumer: Closed with explanation