Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: CA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.I demand that the following account be verified or removed immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Reporting incorrect last payment date and last active date. Please delete at once. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Reporting incorrect last payment date and last active date and balance. Please delete at once. 
3. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Reporting incorrect last payment date and last active date. Please delete at once. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Reporting incorrect last payment date and last active date. Please delete at once. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Reporting incorrect last payment date and last active date. Please delete at once. 

Ive sent several letters via certified mail requesting an investigation into items listed above because I felt these items were not being reported legally. I recently received a letter stating your investigation was complete and the items above were not removed. 
Please remove the items listed from my consumer report. If the items listed above were verified during your investigation, please explain to me how you conducted your investigation!

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigatio
n?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified document
s.

6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you arereporting?

7. If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position? 
e. What telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g. What is the position of the employee of your company that spoke directly to the above party?

h. How long has that employee been employed by your company?

i. What formal training was provided to this employee to investigate items of this kind? 
j. Was there any e-mail or written communication between members of your company and the above party?

8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you havein fact conducted a reasonable investigation of the account in question.

9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the accounts in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of these items from my Credit Report. 
These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 
Please respond accordingly

Company response to consumer: Closed with explanation