Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To whom it XXXX concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( XXXX ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
XXXX requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. 2004 ). 
Your response should to me should include the following at a minimum. 
XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
XXXX What certified documents were reviewed to conclude your investigation? 
XXXX Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
XXXX What did it cost your company to obtain the documents needed to complete your investigation? 
XXXX Please provide proof of your timely procurement of certified documents. 
XXXX Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a If yes to above : i Who did you speak to? ii On what date? iii How long was the conversation? XXXX XXXX was their position? v What telephone number did you call? vi XXXX is the name of the employee of your company that spoke directly to the above party? XXXX XXXX is the position of the employee of your company that spoke directly to the above party? XXXX XXXX long has that employee been employed by your company? XXXX XXXX formal training was provided to this employee to investigate items of this kind? 
x Was there any e-mail or written communication between members of your company and the above party? 
XXXX Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
XXXX Provide the date of the commencement of delinquency. 
XXXX Provide the SPECIFIC date reporting that these items will cease. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 
Here is a list of accounts that you claimed were verified.Cap XXXX OPENED XXXX # XXXX {$260.00}, XXXX opened XXXX XXXX # XXXX {$25000.00}, XXXX XXXX XXXX opened XXXX # XXXX {$110.00}, XXXX XXXX XXXX opened XXXX {$200.00} # XXXX, Quality Accept opened XXXX # XXXX {$12000.00}