Consumer complaint received 2024-04-22
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. (PA)

Recently, I submitted a dispute on XX/XX/XXXX and received an update that the late payments were verified. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The late payment balance has been paid and needs to be removed from my credit report. My consumer rights have been violated and the late payment needs to be removed from my credit report for XXXX and XXXX XXXX with the account number beginning with XXXX for XXXX XXXX XXXX XX/XX/XXXX and XXXX for XXXX  XXXX for the month of XX/XX/XXXX. 
Furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that it's been verified?

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please do not send me any of your generic response letters of how you use various methods. I'm asking for " SPECIFICS '' on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then you need to find out and shame on you if you do not know because that would NOT be a proper investigation on your part as you are required to conduct.

Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure. And Be aware that I am making a final attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious er in your reporting.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.

Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information listed is not up to date and I demand for the addresses XXXX XXXX XXXX XXXX XXXX Pa XXXX, XXXX XXXX XXXX XXXX XXXX pa, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX pa XXXX and XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX be removed from my credit report as it is inaccurate.