Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Request for Disclosure under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) I am writing to request a full disclosure of all information stored in your computer database regarding my credit file as stipulated in Section 609 of the Fair Credit Reporting Act ( FCRA ). This request includes, but is not limited to, the following information : *A copy of my complete consumer report.

*The names of all persons or entities who have received a copy of my consumer report, including the dates and purposes of such requests. 
*The sources of all the information contained in my consumer file. 
*The information in the consumer reporting agencies ' files ( not the creditors ' files ), mentioned above, is the information that you store in your computer database on every consumer. 

Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/scrub>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX KY XXXX Please find enclosed a copy of my government-issued identification and a recent utility bill as proof of address. 
Please mail to the address up above. 
I appreciate your prompt attention to this matter. As per the FCRA15 U.S. Code 1681g - Disclosures to consumers, I understand that you are required to provide this information within 30 days of receipt of this request.

Mail my complete consumer file to address listed on consumer file. ( a ) Information on file ; sources ; report recipients ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. 

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. 

( C ) Subparagraph ( A ) does not apply if ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( ii ) the head of the agency or department makes a written finding as prescribed under section 1681b ( b ) ( 4 ) ( A ) of this title.

( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure. 

( XXXX ) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.

( 6 ) If the consumer requests the credit file and not the credit score, a statement that the consumer may request and obtain a credit score. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX