Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.

1. This account state that I have 30 days late. However I was never late on this account and the creditor has agreed to remove the late payment to avoid any litigation. I demand that this be removed. 
XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file. 

2. This is a charge off account it should have no balance owed and the date of last reported is reporting inconsistent to the other bureau. 
XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

3. I don't have contractual relationship with this company. I don't recognize this collection account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809. 
XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 

4. I don't have contractual relationship with this company. I don't recognize this account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809. 
XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

5. I don't have contractual relationship with this company. I don't recognize this collection account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809. 
XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

6. I don't have contractual relationship with this company. I don't recognize this collection account. Please provide me the name and address of the original creditor. Pursuant the Fair Debt Collections Practices Act Section 809. 
XXXX XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

7. Validate Account U.S. DEPT OF ED XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

8. XXXX XXXX Bankruptcy Case Number : XXXX Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 

9. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX