Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  : Violation of the Fair Credit Reporting Act ( FCRA ) and Pending Litigation Dear Equifax Information Services LLC XXXX XXXX am writing to notify you of the continued violation of the Fair Credit Reporting Act ( FCRA ) by your agency regarding the presence of inaccurate, unverifiable, and invalidated information on my credit report. This letter serves as a final offer of settlement before litigation, as I am seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n and 15 U.S. Code 1681o. 

It is evident that your agency is in direct violation of the FCRA, as the following items remain on my credit report despite being inaccurate, unverifiable, and invalidated. Under the FCRA, you are required to have a copy of the original creditor 's documentation on file to verify the accuracy of the reported information. However, you have failed to provide me with any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). I demand the immediate deletion of the following items from my credit report : TBOM/CONTFIN Account Number : XXXX This account does not belong to me, and I have no record of it in my possession. I demand the removal of this inaccurate information from my credit report. 

XXXX Account Number : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal from my credit report. 

Incorrect Personal Information DATE OF BIRTH : XXXX Unauthorized Inquiry CCB/IDD Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The FCRA clearly outlines the civil liability and remedies available to me ( Section 616 & 617 ) if you fail to comply with federal law. As a litigious consumer, I am fully prepared to pursue litigation to enforce my rights under the FCRA. 

I request that you complete a thorough investigation within 30 days, as required by Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Furthermore, I expect a detailed description of the procedure used to determine the accuracy and completeness of the information within 5 days of completing the reinvestigation. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within the given timeframe may result in a small claims action seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. 

Please be aware that depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any potential small claims action. Copies of this dispute letter and my complaint will also be forwarded to the relevant organizations mentioned below. 

XXXX  : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX XXXX  XXXXt, Consumer Financial Protection Bureau XXXX  : Consumer Financial Protection Bureau CC : Attorney General 's Office XXXX  : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency XXXX  : Federal Reserve XXXX XXXX : Credit and insurance XXXX  : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints I expect your prompt attention to this matter. Please acknowledge receipt of this dispute letter within 5 days. 

Sincerely, XXXX XXXX