Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX GA XXXX Date of Birth : XX/XX/year> SS # : XXXX Date :XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Ga XXXX Requesting the method of Verification : As you know, I sent you a letter last month regarding the issues with the accuracy of my consumer report. I am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them. Notice, it is a fact, that I am aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. I have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance are a violation of 15 usc 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursuing litigation. I am well aware of 15 usc 1681s ( Section 623 ) that Data furnishers are indeed required to notify the consumer of any negative reporting that will be furnished but I can assure you that has not happened at all. These Data furnishers need to prove to me that they have followed procedures of federal law and need to delete these accounts from my consumer report. The following accounts need to be reinvestigated once again as I do not believe you conducted a real investigation. Anything inaccurate, incomplete, and unverifiable must be removed. 

1. Please Remove XX/XX/XXXX : XXXXI am disputing this account for inaccurate information because you are reporting inaccurate information on my credit report this is Violation of Law FCRA Section 605b .Must be deleted Asap. 

2. Please Remove XXXX XXXX XXXXXX/XX/XXXXXXXX am disputing this account for inaccurate information because you are reporting inaccurate information on my credit report this is Violation of Law FCRA Section 605b .Must be deleted Asap. 


3. This account is inaccurate because you have the court name wrong. You are supposed to be reporting the court name along with the city and state and you have failed to do so. XX/XX/XXXXXXXX Bankruptcy Case Number : XXXX Remove this inaccurate public record from my credit report as it is being reported without a permissible purpose. 


4.Remove XXXX XXXX XX/XX/XXXXRemove as it is a violation of Law FRCA section 605B. There is no consent from the consumer regarding the furnishing of this account with my signature. This is illegal and must be removed immediately Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Did you provide the proper information in your ACDV form that you provided to the Creditor? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/ Phone number listed on my report? The Fair Credit Reporting Act says you have 15 days to tell me if I ask. Do not provide me with a generic response of how you use various methods. Tell me exactly how you verified them as this could be used in court Also, what is the date of commencent of delinquency? the original creditor is required to give that to you. So when is that? When will these accounts be past the reporting timeframe? Don't provide me with the generic " 7 years '' response. I am aware of that. Tell me when these alleged accounts became delinquent and specifically when they will be removed. Supply your response within 15 days or delete these accounts. 


Please send the following information used to verify the validity of the accounts listed above along with information regarding my investigative consumer report or I demand these accounts be deleted in their entirety : 1. The ACDV form that you have sent to the data furnishers to complete the investigation 2. The Universal Data Form that was sent to you from the data furnisher to verify these accounts as " Accurate '' 3. Provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation 4. The name of the original creditor 5. The creditor 's Address and Telephone number. 
6. A full disclosure of my entire credit file is requested under section 609. Since I have provided proper identification under section 610 you have to release this to me In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. Failure to provide the Universal Data Form that was sent from the data furnisher to yourself can put you into alot of trouble. 

Notice of Warning For Any Delay In Processing by Credit Bureaus I am aware of your attempts to delay the processing of many consumers ' disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 5 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist. 



Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 





Thanks in advance XXXX XXXX