Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED and or INCORRECT information from my consumer file.

I have disputed directly with Equifax on four attempts in efforts to delete the unverified items.

I have attached all four certified mail receipts and the tracking numbers and dates are listed below to show proof of the mailed disputes. 

Certified Mail Tracking numbers 1. XXXX - Mailed XXXX 2. XXXX - Mailed XXXX 3. XXXX - Mailed XXXX 4. XXXX - Mailed XXXX After responding to each dispute Equifax have stated in Writing that they have properly Investigated and Verified the following accounts. Please inform myself and the CFPB HOW ITS POSSIBLE to say you have conducted a proper investigation when there are XXXX violations currently existing on my credit report. Additionally for proof of the violations I have attached, numbered and circled each violation on my credit report for your review. The last reported date is incorrect, THE date last active date is incorrect, the monthly payment is incorrect, the high credit amount is incorrect, THE two year payment history is incorrect and the account TYPE is incorrect.

Equifax violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( a ) ( 1 ( ii ). The law clearly states if items are found INACCURATE or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

LIST OF INACCURATE ACCOUNTS BELOW XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally Equifax has 2 public records reporting on my file that are not verified. I have contacted the UNITED STATES BANKRUPTCY COURT OF XXXX XXXX OF GEORGIA by US Postal service and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus ) Secondly I contacted XXXX XXXX whom shows no bankruptcy on my credit report. I have attached my official responses received by each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX Bankruptcy : Dismissed XXXX XXXX -Equifax also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : the law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

-Equifax also violated my rights under 15 U.S.C 1681 section 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have five days to notify me from when they receive my dispute.

EQUIFAX has NOT sent myself any 5 day notices informing myself that my disputes were received. 

-Additionally 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 N ( A ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} Proof of identity attached. 


Violations Total : XXXX Violations Total dollar amount : {$11000.00}

Company response to consumer: Closed with explanation