Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Legal Department, Not too long ago, I received my credit report from your company. Later looking at it, I found that the information you are stating on some items contains not only invalid and inadequate data, but both inaccurate and incorrect data as well.This data is hurtin me since it is affecting the interest rates that I am able to get and limits my credit capacity. I am distressed that you failed to keep up reasonable methods to assure the most extreme possible legitimate completeness, accurateness and correctness in the credit reports that you give to creditors. This letter is a formal complaint that you are reporting invalid and incomplete account data as well as both inaccurate and incorrect account information. After being informed I heard that there are Federal Laws to ensure credit reporting bureaus such as yours must only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors. Therefore, Pursuant to 15 U.S.C section 1681 ( e ) of the Fair Credit Reporting Act. Upon receipt of this notification The Fair Credit Reporting Act requires you and I am requesting that you verify the following items : 1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX Case Number : XXXX Please provide a detailed documentation if not please remove it in my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
16. 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. 
17. This account was CLOSED. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. This account was CLOSED. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This account was CLOSED. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 21. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
This is nuts that your company can let this data be on my credit profile. This is not my account. I mailed a debt validation letter to this company. They did not reply with what they are supposed to respond with. Please also tell the subscribers who reported these items within 5 days after receiving these disputes, and verify that the person has my full name, address, date of birth, social security number, account number, status, date of last activity, balance, high balance, and amount as applicable. If these disputed data are found to be invalid, incomplete, inaccurate or incorrect, then the entire items must be deleted from my credit report within thirty days. If the validity, completeness, accuracy and correctness can not be verified, you are obligated by law not to change or update the information, but to erase the item permanently from my credit report. Please know that if your response to my request contains any remark such as changed, updated or new information below rather than deleted you are in violation of Federal Law, I will be forced to take further action against you as the Federal Law clearly states that the item must be deleted. When you complete your investigation Pursuant to 15 U.S.C. section 1681 ( i ) ( 7 ) whereby a consumer reporting agency shall provide to a consumer the requested detailed description referred to in paragraph and section ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from a consumer for that description, of the method of verification used and the name of the person at the source you contacted, the furnishers business name, address, phone number and date this verification has transacted. 
If you can not provide a detailed description of the method of verification and the contact information of the furnisher then you are in violation of procedure and must delete the item. If you dont abide by this request or give an insufficient or incomplete response I will have no other choice but to contact my State Congressional Representative, who will forward this matter quickly to the State Attorney General and Federal Trade Commission for urgent attention and please understand that this letter of dispute is now time stamped. In the event that you continue to list the disputed item on my credit report I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit. Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. While I prefer not to file lawsuit, I will utilize the courts as needed to enforce my rights under the FCRA. Also, at the very end of this letter you will see my correct personal data. There shouldnt be any other information appearing on my credit profile. Please remove any incorrect names, addresses, social security numbers, and Date of Birth. I look forward to an uneventful resolution of this matter. 
Thank You In Advance, Sincerely yours, XXXX XXXX