Consumer complaint received 2024-03-26
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. (CA)

XXXX XXXX SS # : XXXX RE : PLEASE RESPOND TO AND NOT USE STALL TACTICS!! 

To Whom It May Concern, This is to inform you that I have received your computer-generated letter, which states that you have ceased investigating my credit reports due to your belief that I have engaged a third-party credit repair agency. I not only perceive this as a tactic to buy yourself an additional 30 days to comply with my original request, but also consider it a direct violation of the FCRA. I have sent CERTIFIED LETTERS EVERY 30 DAYS WITH NO RESPONSE. I AM SENDING THIS LETTER CERTIFIED WITH SIGNATURE CONFIRMATION BECAUSE I NEED TO HOLD YOUR AGENCY ACCOUNTABLE FOR VIOLATING MY RIGHTS. 

I informed you on EVERY 30 DAYS IN THE LAST 7 MONTHS via certified mail ( copy enclosed ) that I have concerns about the accuracy of certain items on my credit reports. The request was made and sent by me personally, and not by a third-party agency. It is evident to me that you are misusing your authority under the FCRA to evade a thorough investigation. 

Here are the incorrect pieces of information currently being reported : XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 5. THIS IS NON HOLDING INQUIRY AND THIS IS UNAUTHORIZED XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. THIS IS NON HOLDING INQUIRY AND THIS IS UNAUTHORIZED XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. THIS IS NON HOLDING INQUIRY AND THIS IS UNAUTHORIZED XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

8. THIS IS NON HOLDING INQUIRY AND THIS IS UNAUTHORIZED XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

9. THIS IS NON HOLDING INQUIRY AND THIS IS UNAUTHORIZED XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

10. TWO YEARS OLD INQUIRY XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

11. THIS IS NON HOLDING INQUIRY AND THIS IS UNAUTHORIZED XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

12. Violation of 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

13. Violation of 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

14. Violation of 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

15. Violation of 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

16. Violation of 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

17. Violation of 15 USC 1692g. Validation of debts XXXX Account XXXX : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 

18. Violation of 15 USC 1692g. Validation of debts XXXX XXXX Account Number : XXXX I sent a certified letter 45 days ago to validate this debt on my report.. Remove this account because has not been validated and I have received no communication or proof that debt is valid and is my responsibility. 


In addition, there is no legal provision that prohibits consumers from utilizing a third-party service, making your excuse irrelevant. In fact, the United States Congress acknowledges the overwhelming nature of the process and grants consumers the right to engage a third party on their behalf, if they so choose. Hence, your statement is highly disreputable. 

I retain the right to take legal action against a credit bureau for violations of the Fair Credit Reporting Act. I believe I can provide evidence that you have not taken reasonable measures to ensure the accuracy of my credit reports and are now deliberately prolonging the process. 

While I understand that disputes can be costly and it is your duty to delay them, I must emphasize that you are taking a significant risk. This letter, dated ( insert today 's date ), serves as a formal notice that I request you to proceed with my original investigation request and provide me with the results within 15 days. Hence, I reject your " form letter '' as per my legal rights, giving you a deadline of 15 days instead of 30. 

I am deeply frustrated and outraged by your accusation, and I have thoroughly researched my rights regarding my credit file. I urge you to expedite my original request immediately. 

Yours sincerely, XXXX XXXX