Consumer complaint received 2023-01-17
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.

Receive notification if information in my file has been used against me in applying for credit or other transactions. 
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. 
Remove outdated, negative information ( after XXXX years in most cases, XXXX in the case of bankruptcy ). 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. 

XXXX. XXXX XXXX Account Number : XXXX I was looking over my credit report and noticed this account I do not recognize. I request for you to send verification and validations of this account if you can not. I demand you remove this account. 

XXXX. XXXX Account XXXX : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXX Account XXXX : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXX Account XXXX : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. 

XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX- This address belongs to someone else. Delete it from my report immediately. 



* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Consumer Financial Protection BureauXXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System XXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX