Consumer complaint received 2023-05-17
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 XXXXXXXX XXXX  XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/1993 RE : Violation of the United States XXXXode Law RE : Violation of the United States Code Law Dear Sir/Madam, I am writing this letter to address the violations of the Fair Credit Reporting Act ( FCRA ) committed by Equifax Information Services LLC XXXX It is evident that your agency is in direct violation of the FCRA by maintaining inaccurate, unverifiable, and invalidated information in my consumer file. This letter serves as a final written offer of settlement before pursuing litigation, as authorized by FCRA Sections 1681n, 1681o, and 1692k, seeking relief and monetary compensation for the damages caused by your noncompliance. Despite the requirements outlined in the FCRA, the unverified items listed below still remain on my credit report. Your agency is obligated to maintain a copy of the original creditors ' documentation to verify the accuracy and ownership of the reported information, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). However, you have failed to provide me with any original documentation, including a consumer contract with my signature. Furthermore, you have neglected to provide the method of verification as required under Section 611 ( a ) ( 7 ). It is crucial to note that Section 611 ( 5 ) ( A ) of the FCRA explicitly states that " all information which can not be verified '' must be promptly deleted. I find it concerning that your agency appears to lack understanding of the FCRA, considering the numerous errors I have identified on my credit report. Allow me to provide a breakdown of the Fair Credit Reporting Act and the nature of FCRA violations : The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of credit information. It establishes rules regarding the acquisition, retention, and sharing of consumer credit information. FCRA violations can occur when creditors furnish inaccurate financial information to reporting agencies, when reporting agencies mistakenly mix up information of different individuals due to similarities in names or Social Security numbers, or when agencies fail to follow guidelines for handling disputes. Under the Fair Credit Reporting Act, I have the following rights : a. The right to verify the accuracy of my report when it is required for employment purposes. b. The right to receive notification if information in my file has been used against me in credit applications or other transactions. c. The right to dispute inaccurate, incomplete, and unverifiable information in my report and have it corrected or deleted. d. The right to have outdated negative information removed from my report after the specified time limits ( typically seven years, or 10 years in the case of bankruptcy ). In light of the violations outlined above, I demand the immediate deletion of the following items from my credit report due to their inaccuracy, unverifiability, and invalidation : [ Provide a numbered list of the disputed items, including the account name, account number ( if applicable ), and a brief explanation of the issue with each item. ] Failure to comply with this request and resolve these inaccuracies within the stipulated timeframe may result in legal action in accordance with the FCRA. I am prepared to enforce my rights under the FCRA by pursuing litigation to seek the remedies provided by Section 616 and Section 617, which include actual damages, punitive damages, the costs of the action, and reasonable attorney 's fees. Furthermore, I request that you remove all non-account holding inquiries from my credit report. Please note that you have 30 days, as mandated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), to complete the reinvestigation of these disputed items. I also require a detailed description of the procedure used to determine the accuracy and completeness of the information within five days of completing the reinvestigation. I explicitly state that I do not consent to e-Oscar or any automated verification methods. Failure to respond satisfactorily within the specified timeframe may result in legal action, including a small claims lawsuit seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. Please be aware that, depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any pending small claims action. Copies of this complaint will be forwarded to the relevant organizations and authorities listed below for their information and appropriate action : XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 10. The following personal information is incorrect DATE OF BIRTH : XXXX  11. The following personal information is incorrect DATE OF BIRTH : XXXX  I trust that you will take immediate action to rectify these violations and promptly address my concerns. I expect a comprehensive and satisfactory response from Equifax Information Services LLC within the specified timeframe. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation