Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My one and only correct First and Last name is : XXXX XXXX XXXX My last XXXX digits of my SSN is XXXX My current correct Address : XXXX XXXX XXXX, XXXX, Alaska XXXX My one and only Date of Birth is : XX/XX/XXXX Notice of Warning Against Any Delay In Processing by XXXX I am aware of XXXX recent attempts to delay the processing of many consumer disputes and challenges by responding that you " received an unusual or suspicious request '' allegedly based on your belief that some consumers are working with a third-party such as a credit repair company. Let me assure you that I am aware that any 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, you have no grounds for claiming any insight whatsoever into my level of training or education on topics such as consumer protection laws or requisite reporting standards, so let me plainly and clearly state now that any letters you receive from me are 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 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumers reasonable dispute and list out the exceptions.

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, or in your arbitrary opinion that any consumer 's lawfully written letter seems in any way " suspicious '', thus ANY DELAY will be considered a willful disregard of my rights as a consumer and will be a violation of the FCRA subject to monetary damages.

Please be advised that 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 even in the event that a consumer is working with a third-party or representative, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 
XXXX request is as follows : XXXX RE : Consumer notice in demand for ONLY CERTIFIABLY COMPLIANT REPORTED and physically verified valid personal identifier information that as well is requisite reported to be included on any report you create, retain, receive, and or release. 
Notice to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX I recently reviewed a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. My one and only correct First and Last name is XXXX XXXX XXXX and I have no other requisite reported names or aliases. Please remove all other versions of information similar or alleged as being my name from my credit report. 
REMOVE : XXXX XXXX XXXX My only current correct Address is XXXX XXXX XXXX XXXX, Ak XXXX Please update the information in my file to reflect ONLY my above proven, current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. Any other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. 
REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Consumer Protection laws, I request that these NOTED items be removed from my credit report. I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of receipt of this letter. Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. Thank you for your prompt and timely help in this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX INQUIRIES RE : You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries, furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this Complaint to ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). 

XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX You are supposed to add notice within 30 days not 1 day over as I have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this complaint letter to ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Respectfully, XXXX XXXX XXXX