Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX REQUEST Provide Physical Proof of Verification This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute not available Whats this? 
View Account Details Account status Closed Age of Account 2 years 8 months 20 days Late payments XXXX XXXX XXXX XXXXXXXX View Account Details Account status Closed Age of Account 5 years 5 months 10 days Late payments XXXX XXXX XXXXXXXX View Account Details Reported balance {$270000.00} Actual payment amount {$12000.00} Date of last payment XX/XX/XXXX Past due amount {$27000.00} Account status At least 120 days or more than four payments past due -- / -- Unverified Account ( Hand Write this information with blue ink pen ) listed * NOTE : Please also remove all non-account holding inquiries over 30 days old. Thank You, Sign your name here XXXX XXXX Attached : Copy of my Social Security Card & Drivers License is attached Sent : USPS Certified Mail Take these cards down to your copy center and make clear copies of both on one sheet. XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT No. XXXX. Argued XX/XX/XXXX, XXXXDecided XX/XX/XXXX The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ). XXXX is a credit reporting agency that compiles personal and financial information about individual consumers to create consumer reports and then sells those reports for use by entities that request information about the creditworthiness of individual consumers. Beginning in XXXX, XXXX introduced an add-on product called OFAC Name Screen Alert. When a business opted into the Name Screen service, XXXX would conduct its ordinary credit check of the consumer, and it would also use third-party software to compare the consumers name against a list maintained by the U. S. Treasury Departments Office of Foreign Assets Control ( OFAC ) of terrorists, drug traffickers, and other serious criminals. If the consumers first and last name matched the first and last name of an individual on OFACs list, then XXXX would place an alert on the credit report indicating that the consumers name was a potential match to a name on the OFAC list. At that time, XXXX did not compare any data other than first and last names. A class of 8,185 individuals with OFAC alerts in their credit files sued XXXX under the Fair Credit Reporting Act for failing to use reasonable procedures to ensure the accuracy of their credit files. The plaintiffs also complained about formatting defects in certain mailings sent to them by XXXX. The parties stipulated prior to trial that only 1,853 class members ( including the named plaintiff XXXX XXXX ) had their misleading credit reports containing OFAC alerts provided to third parties during the 7-month period specified in the 2 XXXX XXXX XXXX XXXX XXXX class definition. The internal credit files of the other 6,332 class mem