Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax is taking more than 60 days to respond to my dispute. This credit reporting agency and the Company XXXX XXXX continue to ignore my letters and demand to delete this account. I want all incorrect names addresses deleted from my credit report. I also want XXXX XXXX XXXX XXXX deleted from my credit report this company is violating my consumer rights Under the FDCPA ACT, XXXX XXXX XXXX XXXX I am litigating at XXXX XXXX, Texas Court due to this company violating my consumer rights. A NOTORIZED AFFIDAVIT OF TRUTH FILED IN THE JUSTICE COURT PRECINCT XXXX XXXX XXXX, TEXAS Court CASE NO. XXXX is enclosed for your reference. 
Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states. The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
DELETE XXXX XXXX XXXX XXXX from my credit report right now to avoid this credit reporting agency being added to my lawsuit for violating my consumer rights by reporting illegitimate information on my consumer file. 
15 USC 1692e ( 3 ) debt collector can not be an attorney and an attorney can not be a debt collector. This is false representation. No communication should come from an attorney. Even if you are being sued by an alleged debt collector, an attorney should not be present. 
15 USC 1692j If any name other than your name is showing as the original creditor, it is a violation because you are the original creditor.

15 USC 1692b ( 2 ) Not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692b ( 2 ) - debt collectors are not allowed to use a logo To prevent me
taking action against Equifax, I demand you delete this account from my credit file and send me an updated and accurate copy of my credit report to my address above.

Company response to consumer: Closed with explanation