Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldnt merely parrot information from the creditors and collection agenciesthat they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. 



You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section XXXX & XXXX } if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW Duties After Notice of Dispute from XXXX XXXX XXXX If a XX/XX/XXXX notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). 
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).

Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). 
IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 



Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XX/XX/XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name_XX/XX/XXXX__________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX _____ Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT______________________ Account XXXX Account Name_XX/XX/XXXX___________________________ Date open______XX/XX/XXXX_________________________________ Account XXXX Reason for dispute__IDENTITY THEFT___________________ Account XXXX Account Name_XX/XX/XXXXXXXX __________________ Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT_______________________ Account XXXX Account Name___XX/XX/XXXX____________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name__XX/XX/XXXX__________________________________ Date open____XX/XX/XXXX____________________________________ Account Number__XX/XX/XXXX_________________________________ Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXXXX/XX/XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT______________________ Account Amount___XX/XX/XXXX_______________________________ Account Name__XX/XX/XXXX________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY THEFT________________________ Account Amount___XX/XX/XXXX_______________________________ Account Name__XX/XX/XXXX ____________________________________ Date open____XX/XX/XXXX____________________________________ Account Number_XX/XX/XXXX_________________________________ Reason for dispute____IDENTITY THEFT_______________________ Account Amount__XX/XX/XXXX_____________________________ Account Name__XX/XX/XXXX XX/XX/XXXX________________________________ Date XXXX Account Number__XX/XX/XXXX___________________________ Reason for dispute__IDENTITY XXXX Account XXXX