Consumer complaint received 2024-10-20
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. (IN)

DISPUTED INFORMATION : Items in Dispute : Please be officially informed that there are discrepancies or erroneous accounts or Not my accounts at all CREDIT BUREAU VERIFICATION REQUEST ( 3rd Attempt ) NOTICE OF PENDING LITIGATION Name XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Sent via Priority Mail RE : 3rd and Final request -- -File NumberXXXX DISPUTED INFORMATION : Items in Dispute : Please be officially informed that there are many discrepancies or erroneous accounts on my credit report, and the items listed below are now under dispute as per the Fair Credit Reporting Act ( FCRA ) 611 ( a ). Additionally these items are now in litigation, and until such litigation process is complete, any negative reported items related to these accounts are to be removed. You may retain any non negative items. The references your company has made on the credit report are incorrect due to their lack of completeness and/or accuracy. As stated in FCRA 623 ( b ) ( 1 ), if the information is not entirely 100 % accurate, it must be removed. A response is legally required from you within 15 days of receiving this letter, failing which the disputed item must be permanently deleted from the record.

ITEMS REQUIRING VERIFICATION : The following listed information is disputed directly with you, the furnisher of information, and we are requesting an investigation of the outlined credit lines showing on the credit report : XXXX account -- XXXX This was a discharge of debt. It became income and Income CAN NOT BE REPORTED ON MY CREDIT REPORT.

Also need a GAAP accounting to show original owner. Remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX This was a discharge of debt. It became income and Income CAN NOT BE REPORTED ON MY CREDIT REPORT. 
Also need a GAAP accounting to show original owner. Remove immediately XXXX account -- XXXX This was a discharge of debt. It became income and Income CAN NOT BE REPORTED ON MY CREDIT REPORT. 
Also need a GAAP accounting to show original owner. Remove immediately. 

XXXX XXXX  -- account -- XXXX This was a discharge of debt, It became income and is not even loaned by XXXX XXXX. Income CAN NOT BE REPORTED ON MY CREDIT REPORT Also need a GAAP accounting to show original owner. Remove immediately. 

XXXX XXXX -- account -- unknown This was a discharge of debt, It became income and is not even loaned by XXXX XXXX Income CAN NOT BE REPORTED ON MY CREDIT REPORT Also need a GAAP accounting to show original owner. Remove immediately. 

XXXX XXXX XXXX XXXX XXXXThis was a discharge of debt, It became income and is not even loaned by XXXX. Income CAN NOT BE REPORTED ON MY CREDIT REPORT Also need a GAAP accounting to show original owner. Remove immediately. 

XXXX XXXX XXXX XXXX XXXXThis was a discharge of debt, It became income and is not even loaned by XXXX. Income CAN NOT BE REPORTED ON MY CREDIT REPORT CFPB complaint was done with company and this was to be removed due to identity theft. 

XXXX XXXX XXXX XXXX -- XXXX I have done a CFPB complaint letting this company know I am a victim of identity theft and this debt is not mine. The original creditor recognized that and closed my account and stopped reporting. They are refusing to do so despite FTC reports and CFPB complaints. This debt is not mine. Remove immediately. 

XXXX XXXX XXXX XXXX XXXX I have no idea what this is. I am a victim of identity theft and this is not mine. This is listed on my FTC report. See FTC report. Remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX. This account was never late. Update account to paid as agreed never late. According to 15 USC 1681 603 ( 2 ) ( A ) a consumer report does not contain transactions or experiences. All of the late payments reported are inaccurate and violating my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX. This account was never late. Update account to paid as agreed never late. According to 15 USC 1681 603 ( 2 ) ( A ) a consumer report does not contain transactions or experiences. All of the late payments reported are inaccurate and violating my rights as a consumer. This account is in dispute currently with XXXX XXXX as I hold the title and security interest in the vehicle. XXXX  XXXX no longer has security interest in the vehicle. Update this account to paid as agreed, never late. 



XXXX XXXX XXXX XXXX XXXX XXXX This account was never late. Update account to paid as agreed never late. According to 15 USC 1681 603 ( 2 ) ( A ) a consumer report does not contain transactions or experiences. All of the late payments reported are inaccurate and violating my rights as a consumer. 

XXXX XXXX XXXX This account was never late. Update account to paid as agreed never late. According to 15 USC 1681 603 ( 2 ) ( A ) a consumer report does not contain transactions or experiences. All of the late payments reported are inaccurate and violating my rights as a consumer. 

XXXX XXXX XXXX This account was never late. Update account to paid as agreed never late. According to 15 USC 1681 603 ( 2 ) ( A ) a consumer report does not contain transactions or experiences. All of the late payments reported are inaccurate and violating my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX. This account was never late. Update account to paid as agreed never late. According to 15 USC 1681 603 ( 2 ) ( A ) a consumer report does not contain transactions or experiences. All of the late payments reported are inaccurate and violating my rights as a consumer. 

XXXX XXXX XXXX XXXX XXXX I have no idea what this is. Remove immediately as this is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX This account was never late. Update account to paid as agreed never late. According to 15 USC 1681 603 ( 2 ) ( A ) a consumer report does not contain transactions or experiences. All of the late payments reported are inaccurate and violating my rights as a consumer.

The following INQUIRIES were not made by me, I am a victim of identity theft. Please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST FOR DETAILED VERIFICATION METHOD : We hereby invoke all rights under FCRA 611 ( a ) ( 7 ) and FCRA 623, necessitating a comprehensive explanation of the procedures employed to investigate the disputed items. Please note that a simple e-Oscar 2-digit code readout will not suffice.

Regrettably, credit bureaus frequently rely on a mere software that fails to conduct exhaustive investigations, falling short of the legal standards for verification. Our legal team is keenly interested in understanding the process your investigators follow to reach their conclusions.

15 USC 1681 603 ( A ) ( 2 ) ( E ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Verification means to make sure one actually owes the alleged debt, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). The definition of verification according to Black 's Law Dictionary is... averment that the party pleading is ready to establish the truth of what he has set forth. ... The examination of a writing for the purpose of ascertaining its truth ; or a certificate or af idavit that it is true.. The court said Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; and XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). 

I request a complete list of all documents and correspondence ( s ) with the original creditor, including, but not limited to : 1. The names and contact details of ALL employees involved in this investigation.

2. Concrete evidence tracing back to the original creditor ; and 3. Comprehensive information about the entire lifecycle of the loan.

4. The identity of the individual or entity that initially issued the loan.

5. The exact date when the loan was granted.

6. The original contact details associated with the loan.

7. Copies of all correspondence and documents sent in relation to this matter.

8. Copies of insurance contracts paying the creditor, securities held as a result of the contract, or tax benefits they have received from holding this account.

If an investigation can not be conducted or the required documents can not be located, the Fair Credit Reporting Act ( FCRA ) mandates the removal of the information from the credit reports, including the complete deletion of the account.

However, if an investigation of the account records can be carried out and inaccurately reported information is identified, it is necessary to update the credit reports to accurately reflect this information.

DEBT INVALIDATION NOTICE - Please find enclosed the correspondence sent to the alleged creditor. The absence of a validation response from the creditor automatically invalidates the account, serving as evidence of identity fraud. By law, this account must be expunged from the credit report. We request an updated credit report reflecting the resolution of the account dispute.

NOTICE OF FRAUD ALERT - This serves as a notice that you are now implicated in fraud by verifying information that can not be substantiated/ validated due to the absence of an authenticated contract with the creditor. If the agency fails to remove this information, we will be compelled to initiate legal proceedings for deliberate non-compliance under FCRA 616 and 15 U.S. Code 1681n.

OPPORTUNITY TO CURE - A point-by-point response to these demands in the form of an afidavit is legally required. As the XXXX, He who does not deny, admits, and An unrebutted affidavit stands as truth. According to Restatement 2nd 69, failure to respond within fifteen days will be taken as an admission that the debt is unverified, all legal claims are relinquished and are to be released, and the entity named on the account is a victim of identity fraud. If the debt is not verified, a demand is made to dismiss and withdraw the claim, and rectify any negative credit reporting that may have been associated with the alleged debt for all Credit Reporting Agencies ( CRAs ) and Credit Bureaus ( CBs ).

FINAL APPEAL TO AVOID LITIGATION - Legal proceedings can be costly and are best avoided. If necessary, I am prepared to represent myself in court and file a case in forma pauperis at no cost. However, I understand that your organization may need to engage an attorney, which could be expensive. This is so even if I choose to utilize Small Claims Court and require all claimants only, to appear with evidence and testify with first hand knowledge only. Therefore, this is a sincere attempt to settle this matter before resorting to litigation. I am open to resolving this issue in a private and amicable manner.

Thank you for your consideration and attention to this matter.

x____________________________________ by : NAME, Without Recourse, All Rights Reserved DATED : XXXX NOTARY ACKNOWLEDGEMENT or WITNESS : WITNESS : ______________________ According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. ( This Letter was dated XXXX ) You have Violated the following as well : ( I ) THE SHERMAN ACT, 15 U.S.C. 1, ET SEQ This conspiracy violates Section 1 of the Sherman Act as i can no longer do trade in commerce.

You have violated FCRA 605B ( 15 U.S.C. 1681c-2 ) as well.

Section 609 ( c ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ), requires a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis to establish a toll-free telephone number, at which personnel are accessible to consumers during normal business hours. This telephone number must be provided with each written disclosure of information in the consumer 's file, by the consumer reporting agency to the consumer.