Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint in the light of clear violations of my rights under the FCRA. I have recently reviewed a copy of my credit reports as it is being reported to and noticed there are inaccurate accounts and/or items on my credit report.

This means that the below listed accounts were not opened by me and I do not profit from these accounts having been opened. By the provisions of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). You are required by law to verify through physical verification of the original signed consumer contract. I demand these accounts and/or items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ). You must complete this investigation within 30 days of receiving this.

I have made three attempts to send dispute letters on the following dates about specific inaccurate and unverified items on my credit report across all three beauru 's such as XXXX, Euifax and XXXX... The dates are as followed XX/XX/2021. FIRST LETTER XX/XX/2021 CERTIFIED MAIL XX/XX/2021 CERTIFIED MAIL I have all receipts and documentation as proof for my several attempts, Still yet there seems to be stalling/ or ignoring of my requests which I have a right to as a consumer under under the FCRA . FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that somehow the disputed item was deemed " verified '' electing to leave it on my report without sending me a VALID method of verification as stated per law which is an original contract with my signature on it.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently deleted from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

Company response to consumer: Closed with explanation