Consumer complaint received 2024-04-16
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. (IL)

I sent Equifax a Reinvestigation letter on XX/XX/XXXX for XXXX XXXXXXXX and XXXX because on XX/XX/XXXX Equifax verified through the CFPB that the account was verified and updated. Not only has it been more than 30 days since I heard back from them, but I was affected by the XXXX EQUIFAX BREACH. MY IDENTIY WAS LEAKED IN THE BREACH. I also requested that they provide me with a description of what was updated and modified and to provide me with a copy of any documents with my signature on it. Pursuant to 15 usc 1611 this reporting agency is criminally liable, and I am seeking relief and monetary damages under the FCRA section 616 & 617.

Civil liability for willful noncompliance 15 u.s.c 16810 Civil liability for negligent noncompliance and 15 u.s.c 1692k 15 U.S.C 1681 states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; states a consumer reporting agency can not furnish account without my written instructions.

FRCA Section 611 requires CRAS to establish and follow reasonable procedures to ensure the accuracy of consumer information. If EQUIFAX " verified '' As they claim, then why does Equifax report for XXXX XXXX show that date of last payment is XX/XX/XXXX but not reporting on XXXX and XX/XX/XXXX for XXXX XXXX It also shows that date of last payment was XX/XX/XXXX on Equifax but also showing the date of last on time payment was XX/XX/XXXX. 

For XXXX XXXXXXXX account EQUIFAX shows XXXX the date of last payment is XX/XX/XXXX but how can that be if the calendar shows it was CHARGED OFF in XX/XX/XXXX, date of last payment for XXXX XX/XX/XXXX and not reporting for XXXX. Who verified these accounts? Pursuant to XXXX XXXX XXXX ( XXXX ) I am the consumer and I NEVER gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, no consent is IDENTITY THEFT.

EQUIFAX has not provided me with a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) - A consumer contract with my signature on it. And under Section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly DELETE all information which can not be verified.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent, noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing Litigation in this matter to enforce my rights under FRCA.

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term Credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report.

Pursuant to 15 usc 1681a ( 2 ) ( B ). An alleged debt being furnished on your " credit '' report Is a violation of 15 usc 1692b ( 2 ) it is also advertising to coerce payment. Which is illegal.