Consumer complaint received 2024-05-17
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Date : XX/XX/XXXX Dear Credit Reporting Agency, Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights 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 two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
-FYI : I am sending this letter in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ). If you choose not to provide the above requested deletion or requested documentation of your investigation, I will pursue the enforcement of my constitutional rights. 
- XXXX XXXX - XXXX - This is completely inaccurate. - This account is closed. Please provide written validation to the address above. 
- XXXX - XXXX - This is completely inaccurate. - This account is closed. Please provide written validation to the address above. 
- XXXX - XXXX - This is completely inaccurate. - This account is closed. Please provide written validation to the address above. 
- XXXX - XXXX - This doesn't belong to me. - This is not mine - please remove this inaccuracy from my report - XXXX - XXXX - This doesn't belong to me. - This is not mine - please remove this inaccuracy from my report - XXXX - XXXX - This doesn't belong to me. - This is not mine - please remove this inaccuracy from my report - XXXX XXXX XXXX XXXX XXXXXXXX - This does not belong to me- This is not mine - please remove this inaccuracy from my report! 
- XXXX - XXXX - This does not belong to me - This is not mine - please remove this inaccuracy from my report! 

- Bankruptcy - XXXX - This public record is discharged - This public record is discharged - XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX  - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX  - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX  XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX  - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 

- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX  XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX  - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report. 
- XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was misrepresented and should be deleted from my report. - Impermissible credit pull. Please remove from my credit report.