Consumer complaint received 2024-03-22
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX Date of Birth : XX/XX/XXXX Social Security # : XXXX, last XXXX Registered agent of Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Accounts I demand to be deleted : XXXX XXXX ( {$1600.00} written off ) XXXX XXXX XXXX XXXX acct. ending in XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. Let me break it down.

In the company response to CFPB complaint XXXX the company states XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. No where in the complaint did I ask for Equifax to verify that these accounts belong to me. The company completely ignores my concerns regarding XXXX  acct. ending in XXXX. The facts Im giving are taken straight from my credit report. 

XXXX XXXX ( {$1600.00} written off ) XXXX XXXX XXXX These accounts are income for the consumer once a 1099c is issued. The status of the accounts are no longer debt but income. The courts have actually ruled on this issue. 
I provided XXXX court cases from the lower courts in previous disputes that support deletion of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX it would be inequitable to require that ( Defendant ) report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt after it received the tax benefit of the charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( issuance of form 1099c after debt was written off is " XXXX XXXX evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact XXXX  XXXX ( {$1600.00} written off ) This account was deleted XX/XX/XXXX according to Equifax company response to CFPB complaint XXXX. I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Inaccurate information -XXXX  reporting XXXX different account numbers for the same account. 
XXXX XXXX Equifax XXXX XXXX- The contact information on this account is reporting different on XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX -XXXX  and Equifax are reporting XXXX different open dates. 
XXXX XX/XX/XXXX Equifax XX/XX/XXXX Equifax is reporting a balance of {$1500.00}. How is this possible when I have documents from XXXX stating a 1099c has been issued for the account in year XXXX. XXXX deem the account uncollectible. How is there a balance reporting to the account? 


XXXX acct. ending in XXXX Incorrect payment history reporting. 
No history reporting XXXX XXXX XXXX. No payment history reporting XXXX XXXX XXXX. XXXX I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.