Consumer complaint received 2024-08-22
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. (GA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Final Demand Before Legal Action Dear Equifax, Please be advised that you owe me the following : Amount Requested {$15000.00} Description Since before XX/XX/XXXX, despite repeated requests, you have failed to correct inaccurate information on file. These inaccuracies have caused significant harm to my credit standing, leading to financial losses and personal distress. This failure to correct the erroneous data violates your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other federal laws, which mandate that credit reporting agencies maintain accurate and updated information and correct any discrepancies upon dispute. 

The following accounts have been inaccurately reported despite being paid off, and they need to be corrected immediately : Disputed Accounts and Requests for Immediate Removal : 1. XXXX XXXX Account Number : XXXX Balance : {$68.00} ( incorrectly reported as unpaid ) Request : Immediate removal of this entry due to the account being paid off and closed. 
2. XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} ( paid off as of XX/XX/XXXX ) Original Balance : {$3000.00} Request : Immediate removal of incorrect reporting. This account has been closed and fully paid off. 
3. XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} ( paid off as of XX/XX/XXXX ) Original Balance : {$6000.00} Request : Immediate removal of incorrect reporting. This account has been closed and fully paid off. 
4. XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} ( paid off as of XX/XX/XXXX ) Original Balance : {$8000.00} Request : Immediate removal of incorrect reporting. This account has been closed and fully paid off. 
5. XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} ( paid off as of XX/XX/XXXX ) Original Balance : {$7000.00} Request : Immediate removal of incorrect reporting. This account has been closed and fully paid off. 

Disputed Inquiries and Requests for Immediate Removal : 1. XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of unauthorized inquiry. 
2. XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of unauthorized inquiry. 
3. Equifax Mortgage Services Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of unauthorized inquiry.

4. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of unauthorized inquiry. 
5. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of unauthorized inquiry. 
6. XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of unauthorized inquiry.

Legal Violations and Demands Under 15 U.S.C. 1681e and 1681k, you are mandated to ensure that all reported information is accurate and must conduct a thorough investigation when a dispute is raised. This obligation includes the verification of disputed accounts and the correction or removal of inaccurate information.

Under 15 U.S.C. 1692g, I have the right to demand verification of these debts. If the debts can not be verified, they must be removed from my credit report.

Additionally, under 18 U.S.C. 8 and 15 U.S.C. 1681b-2, these continued inaccuracies constitute an invasion of privacy and unauthorized debt reporting, which may also result in further legal consequences.

As a result of your continued failure to resolve these issues, I am demanding a lump sum payment of {$15000.00} as compensation for the financial damage and personal distress caused by the incorrect information on my credit report. This is your final opportunity to settle this matter before I proceed with legal action.

Please contact me within 14 days of receiving this letter to arrange for settlement. Failure to comply will result in me filing a lawsuit against you without further notice, and you will be responsible for court costs, attorney fees, and any judgments obtained.

I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX