Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Dear Equifax : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way. 
These items are reported inaccurately : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX, MD XXXX 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please remove it from my credit report. 
9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 
10. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail.

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. 
I await your response. 
Sincerely, XXXX XXXX