Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I mailed a letter disputing inaccurate and/or incomplete information contained in consumer reports compiled, maintained, and published by Equifax allegedly concerning the following tradelines. As per USPS records, Equifax received my dispute letter on XX/XX/XXXX. Accordingly, as per the FCRA, they were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30 day period on the date on which you received my dispute letter. 
MY REQUEST WAS NOT A VERIFICATION FOR PROOF OF MY MAILING ADDRESS. MY REQUEST WAS A VALIDATION MADE PURSUANT TO 15 USC 1692G.

The response was due on or before XX/XX/XXXX. Instead of sending me a response letter with the results of your investigation of the disputed information, they mailed me a letter dated XX/XX/XXXX asking for my Drivers license and social security card ; documents that are sent with each correspondence/ certified -- letters sent a total of 7 times at this point. We know this to be true because they went ahead and updated my report with the address listed on my driver 's license. The driver 's license they were yet again asking for as a motive to delay the investigation. 

Clearly, they have willfully failed to delete the disputed information as I have requested. They willfully failed to conduct a reasonable investigation. The failure to do so is a direct FCRA violation. As per the FCRA, they are liable to me for damages for misconduct. I am commanding they send a check in the amount of {$1000.00} payable to XXXX XXXX. 

Be advised, this not another dispute or opportunity for them to investigate. The allowable period to conduct a reinvestigation has expired and shall not be extended by law. Within 14 days, I demand you delete the disputed information as requested, send an updated copy of my consumer file, and send me the {$1000.00} check to my mailing address above. 

I demand the following accounts be deleted IMMEDIATELY : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX. 
1. THEY ARE INACCURATELY REPORTING THE CHARGE OFF DATE AS THE FIRST DELINQUENCY, A VIOLATION FCRA 623 ( a ) ( 5 ) ( A ) 2. THEY HAVE REAGED THE ALLEGED DEBT, WHICH IS ILLEGAL AND A CLEAR VIOLATION OF FCRA SECTION 623 ( 5 ) ( A ).

3. THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS THE DATE OF DELINQUENCY. THIS DEBT IS 9 YEARS OLD PAST THE STATUTE OF LIMITATIONS. 
4. THEY ARE MORPHING THE " CURRENT BALANCE '' BY {$1.00} EACH MONTH TO MALICIOUSLY TRIGGER MY CREDIT SCORING.

5. THEY ARE REPORTING A " PAST DUE '' BALANCE. A COLLECTION ACCOUNT CAN NOT REPORT A PAST DUE BALANCE.

6. THEY ARE REPORTING A MONTHLY PAST DUE. A COLLECTION ACCOUNT CAN REPORT A MONTHLY PAST DUE BALANCE.

7. THEY FAILED TO PROVIDE A NOTICE OF DEBT AND RIGHT TO DISPUTE. 
I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 

ACCOUNT NAME : XXXX XXXX. ACCOUNT NUMBER : XXXX. 
1. The creditor has not proven in accordance with the laws of the State of Pennsylvania, specically12 PA Cons Stat 6254, as well as State Risa and MVISA statutes, a deciency claim can not be valid unless all required notices were DULY provided in a proper and TIMELY manner.

2. The creditor failed to provide traceable evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 
3. The Creditor is reporting Past Due on a deciency balance. A deciency balance can not be reported as such.

4. The creditor is reporting Past Due monthly payment on a deciency balance. A deciency balance is not a monthly payment and can not be reported as such. 
5. The creditor reports Current XX/XX/XXXX & XXXX XXXX but 60 days past due XXXX XXXX 90 Days past due in XXXX, XXXX Past due in XXXX, and XXXX Past due in XXXX. How is that accurate? 
6. Creditor is reportingCollections XXXX through XX/XX/XXXX but Past Due 180 days XXXX through XX/XX/XXXX? How is that accurate? 
7. Creditor is rreportingg No Data XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but you reported as having Veried the alleged debt for accuracy. 
8. The creditor fails to report the rst date of delinquency, as obligated by law.

I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 

ACCOUNT NAME XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX. 
1. THIS IS A COLLECTION ACCOUNT AND IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES. 
2. THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.

3. THIS COLLECTION ACCOUNT IS ALSO IN VIOLATION OF 15 USC 1692G, AS NO WRITTEN NOTICE of debt was provided. THEY FAILED TO PROVIDE A NOTICE OF DEBT AND RIGHT TO DISPUTE.

4. THE AGENCY NAME IS REPORTING the agency name : XXXX. NO SUCH AGENCY NAME exists as a registered business in the USA.

5. The creditor fails to report the rst date of delinquency, as obligated by law. 
I demand this account be deleted for inaccurate reporting in accordance with the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
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