Consumer complaint received 2023-05-09
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/1995 Dear Equifax Information Services LLC, I am writing to bring to your attention the violation of the Fair Credit Reporting Act ( FCRA ) regarding the refusal to delete inaccurate, unverifiable, and invalidated information from my consumer file. As per the FCRA, I demand that you delete the items listed below immediately, failing which I will pursue litigation to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617. 

I am offering this final written settlement offer to resolve the matter amicably before proceeding with litigation. I hope you take this matter seriously and comply with the FCRA requirements. 

Please note that the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. However, you have failed to provide me with any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified.

I demand the following items be deleted immediately as they are either inaccurate, unverifiable, or invalidated : The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA 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 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 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 DPT TREASURY 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. 
DPT TREASURY Account Number : XXXX I expect you to comply with my request to delete the aforementioned items immediately. I demand that you take this matter seriously and comply with the FCRA requirements. Failure to do so will result in litigation in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief