Consumer complaint received 2021-09-17
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: Their investigation did not fix an error on your report

Complaint:
I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. 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 investigation?

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 documents.

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

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 have in 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 PURSUANT TO 15 U.S. CODE 15 USC 1681a ( 3 ) - this account is in violation of identity theft and fraud : my identifying information was given to another person without my consent 15 USC 1681e ( b ) - this account is in violation of ensuring maximum possible accuracy 15 USC 1681s-2 - account is in violation for not providing a notice of dispute 15 USC 1681i ( 7 ) - failure to provide description of reinvestigation procedures for method of verification is a violation 15 USC 1681i ( 6 ) - failure to provide notice of results of reinvestigation is a violation 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681e - factual information must be excluded ; this is a violation 15 USC 1681a ( 2 ) ( b ) - I demand this account to be excluded from my consumer report 15 USC 1681c-2- I demand account to be blocked from my report due to identity theft.

15 USC 1681n - failure to comply with any requirement imposed is a violation of {$100.00} to {$1000.00} 15 USC 1681o - negligent in failing to comply with any requirement XXXX HAS ALREADY REMOVED THESE ACCOUNT AND I WILL ATTACH THE UPDATED CONSUMER REPORT. PURSUANT TO 15 U. S. CODE 1681 ( a ) Accuracy and fairness of credit reporting. 
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 account 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 this item from my credit report. 
This erroneous entry is 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.

Company response to consumer: Closed with explanation