Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/ RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

To whom it may concern, I am writing this letter to address the ongoing violation of the Fair Credit Reporting Act ( FCRA ) by Equifax Information Services LLC. It has come to my attention that you have refused to delete inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final offer of settlement before pursuing litigation in accordance with the FCRA to seek relief and recover all monetary damages to which I may be entitled under Section 616 and Section 617. Please consider this as an opportunity to amicably resolve the matter. 

I must emphasize that your continued presence of unverified items on my credit report is a direct violation of the FCRA. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of the reported information. Despite your investigation, which claimed that these items were being " reported correctly '' and " verified, '' you have failed to provide me with any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). It is worth noting that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified.

It is evident that your agency lacks a proper understanding of the FCRA, as evidenced by the errors and inaccuracies present on my credit report. To ensure clarity, I would like to outline a few key points : The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It establishes rules for obtaining, retaining, and sharing credit information. 

FCRA violations may include creditors providing inaccurate financial information about consumers, reporting agencies mixing up individuals ' information due to similar names or social security numbers, and agencies failing to follow dispute-handling guidelines. 

Under the Fair Credit Reporting Act, I have the right to verify the accuracy of my report when it is required for employment purposes, receive notification if information in my file has been used against me in credit applications or other transactions, dispute and have the bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report, and request the removal of outdated, negative information. 

I demand that the following items be deleted immediately from my credit report. I have provided the relevant information and the desired outcome for each item : XXXX Account Number : XXXX This account is unfamiliar to me, and I have no recollection of ever belonging to it. I request that you remove this account promptly from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Despite your claim of updating this account, no changes have been made. The incorrect information regarding late payments persists. I insist that you remove these incorrect late payments from the account without delay. 

XXXXXXXX XXXX XXXX Account Number : XXXX Similar to the previous account, you have reported an update without making any changes. The inaccurate information regarding late payments remains unchanged. Please remove these incorrect late payments immediately. 

XXXX Account Number : XXXX I have no evidence to support the claim that this account belongs to me. I request that you remove this inaccurate information from my credit report promptly. 

XXXX Account Number : XXXX I am perplexed as to how you can consistently verify something that never occurred. I have never been late with any payments related to this account. I demand the immediate removal of this erroneous data from my credit file. 

XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXXXXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

The following personal information is incorrect DATE OF BIRTH : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX As per Section 1681n of the FCRA, failure to comply with the provisions of federal law may result in civil liability. I fully intend to pursue litigation to enforce my rights under the FCRA if you fail to comply. Please be aware of the potential consequences.

I request that you complete this investigation within 30 days, as stipulated by Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Additionally, I require a description of the procedure used to determine the accuracy and completeness of the information within five days following the completion of your re-investigation. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within the provided timeframe may result in a small claims action against your company, seeking {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be advised that depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any forthcoming small claims action. A copy of this letter, along with related complaints, will also be forwarded to the organizations mentioned below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals 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 insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints I urge you to resolve this matter promptly and in compliance with the FCRA. Failure to do so will leave me with no choice but to pursue legal action to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief