Consumer complaint received 2023-05-16
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 XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Notice of Pending Litigation and Offer of Settlement under FCRA Dear Equifax Information Services LLC, I am writing to inform you of your continued violation of the Fair Credit Reporting Act ( FCRA ) and to present an offer of settlement before pursuing litigation. It is my intention to seek relief and monetary compensation under FCRA provisions, including 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ).

Your agency has failed to delete inaccurate, unverifiable, and invalidated information from my consumer file, despite multiple requests. If the following items are not promptly removed, I will proceed with litigation to seek relief and recover all applicable monetary damages as outlined in Section 616 and Section 617 of the FCRA. Please note that copies of this letter and the previously sent inaccurate items will be included in a formal complaint to the Federal Trade Commission and used as evidence in the pending litigation if you fail to comply with this settlement offer.

The following items are in direct violation of the FCRA as they remain unverified on my credit report, contrary to federal law. You have failed to provide the required copy of the original creditors ' documentation to verify the accuracy and ownership of this information, as stipulated in Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified.

I demand the immediate deletion of the following items, which are either inaccurate, unverifiable, or invalidated : XXXX  Account Number : XXXX I have no recollection of authorizing this credit pull, and I insist on its removal.

Account Number : XXXX I have no recollection of authorizing this credit pull, and I insist on its removal.

Your agency 's failure to comply with federal law exposes you to civil liabilities outlined in 15 U.S. Code 1681n. As a litigious consumer, I am fully prepared to pursue litigation to enforce my rights under the FCRA.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you have 30 days to complete this investigation. I request that you provide a description of the procedure used to determine the accuracy and completeness of the information within 5 days of completing your reinvestigation. Please note that I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receiving this certified letter may result in a small claims action seeking {$5000.00} per violation, including but not limited to : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be aware that depending on your response, I may share any potential issues with your company through an online public press release, including documentation of any potential small claims action. Copies of this complaint will be sent to the organizations listed below : CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 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 Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation