Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX - XXXX - Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on my credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C. 1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX - XXXX - Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on my credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C. 1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX XXXX XXXX - XXXX - Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on my credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C. 1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX XXXX - XXXX - Remove this account from my credit report immediately. According to U.S.C. 1681b ( a ) ( 2 ), a consumer report can only be furnished in accordance with the written instruction of the consumer. Here 's why this account is invalid and must be removed : No Written Authorization : You have no proof that I authorized this account or the reporting of this information on my credit report. Under 15 U.S.C. 1681b ( a ) ( 2 ), you can only report information if you have explicit written consent from me. If you can't provide this consent, you must delete this account from my credit report. Violation of FCRA Requirements : Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that any information on my credit report is reported with proper authorization and is accurate and complete. Legal References : U.S.C. 1681b ( a ) ( 2 ) : Permissible purposes of a consumer report. It states that a report can be furnished only based on the consumer 's written instructions. 15 U.S.C. 1681b ( a ) ( 2 ) FCRA Section 611 ( a ) ( 1 ) : Reasonable Investigation. If the information is not verified with proper authorization, it must be removed from the credit report. 15 U.S.C. 1681i ( a ) ( 1 ) FCRA Section 605 : Limitations on Negative Information. The information must not remain on your report beyond the allowable period. 15 U.S.C. 1681c Demand for Action : Immediate Deletion : Delete this account from my credit report because there is no record of written consent from me for its inclusion. Proof of Authorization : Provide evidence of the written consent that permitted this account to be reported. If you can not provide this proof, you are legally obligated to remove the account. Failure to comply with this request will force me to take legal action to enforce my rights under the FCRA. Respond to this demand within 30 days to avoid further legal steps. 

XXXX XXXX XXXX - XXXX - Under penalty of perjury, I swear that this account is false and misleading. I have contacted the debt collector and requested proof of the alleged debt, including the original application bearing my signature. They have failed to provide any such proof. Therefore, you are reporting a misleading and false account on my credit report. False and Misleading Account : Under penalty of perjury, I affirm that this account is false and misleading. The debt collector has not provided the required proof of the debt 's validity, and therefore, you violate 15 U.S. Code 1692j. 15 U.S. Code 1692j : Prohibits the use of deceptive forms in the collection of debts and mandates that consumers must not be misled or deceived. 15 U.S.C. 1692j Failure to Provide Proof of Debt : I requested proof of the debt, specifically a copy of the original application bearing my signature. The debt collector has failed to provide this proof, thus failing to comply with 15 U.S. Code 1692g ( b ) which requires debt collectors to verify the debt upon request. 15 U.S.C. 1692g ( b ) cease Collection Efforts : Under 15 U.S. Code 1692c ( c ), you are required to cease any collection efforts for this alleged debt as the debt collector has not proven the validity of the debt. 15 U.S.C. 1692c ( c ) Remove This Collection Account : This account must be deleted from my credit report immediately because it is based on false and misleading information. Proof of Debt : If you can not provide the original application with my signature and valid proof of the debt, remove this account from my credit report right now. Cease : Cease from any further collection activities related to this alleged debt. If you do not comply with these demands, I will take legal action to enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Act now to avoid further legal action. 

XXXX XXXX XXXX - XXXX - Under penalty of perjury, I swear that this account is false and misleading. I have contacted the debt collector and requested proof of the alleged debt, including the original application bearing my signature. They have failed to provide any such proof. Therefore, you are reporting a misleading and false account on my credit report. False and Misleading Account : Under penalty of perjury, I affirm that this account is false and misleading. The debt collector has not provided the required proof of the debt 's validity, and therefore, you violate 15 U.S. Code 1692j. 15 U.S. Code 1692j : Prohibits the use of deceptive forms in the collection of debts and mandates that consumers must not be misled or deceived. 15 U.S.C. 1692j Failure to Provide Proof of Debt : I requested proof of the debt, specifically a copy of the original application bearing my signature. The debt collector has failed to provide this proof, thus failing to comply with 15 U.S. Code 1692g ( b ) which requires debt collectors to verify the debt upon request. 15 U.S.C. 1692g ( b ) cease Collection Efforts : Under 15 U.S. Code 1692c ( c ), you are required to cease any collection efforts for this alleged debt as the debt collector has not proven the validity of the debt. 15 U.S.C. 1692c ( c ) Remove This Collection Account : This account must be deleted from my credit report immediately because it is based on false and misleading information. Proof of Debt : If you can not provide the original application with my signature and valid proof of the debt, remove this account from my credit report right now. Cease : Cease from any further collection activities related to this alleged debt. If you do not comply with these demands, I will take legal action to enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. AcXXXX now to avoid further legal action. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY