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 XXXXXXXX XXXX XXXXXX/XX/XXXX SS # : XXXX RE ; I am recieving no correspondence from your agency, just STALL TACTICS!!!!! 

To Whom It May Concern, This is to inform you that I have received your computer-generated letter stating that you have stopped investigating my credit reports because you suspect that I have engaged a third-party credit repair agency. Not only do I believe that this is a deliberate tactic on your part to buy yourself an additional 30 days to comply with my original request, but I also consider it a clear violation of the FCRA. i have sent each of these CREDITORS listed below the same request to validate these items that are reported inaccurately on my personal credit report. None of the creditors responded with any such proof that the itmes listed on this report are correct. REMOVE THEM IMMEADIATELY I notified you EVERY THIRTY DAYS BY via certified mail ( copy enclosed ) that I had concerns about the accuracy of certain items on my credit reports. I personally wrote and sent that request, and it was not done by a third-party agency. It is evident to me that you are misusing your authority under the FCRA to evade a thorough investigation. TODAY I AM SENDING THIS LETTER WITH SIGNATURE CONFIRMATION IN THE EVENT I HAVE TO FILE LITIGATION AGAINST YOUR COMPANY FOR VIOLATING MY RIGHTS UNDER THE FCRA. I have been more than patient. 

Once again, the following information is being erroneously reported : XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXe following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. THIS IS NON HOLDING INQUIRY AND THIS IS UNAUTHORIZED XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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

XXXX. 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. 

XXXX. 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. 

XXXX. 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. 

XXXX. 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. 

XXXX. 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. 

XXXX. 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. 

XXXX. 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. 

XXXX. 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. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX Furthermore, there is no law prohibiting consumers from using a third-party service, making your excuse irrelevant. In fact, the United States Congress recognizes that the process can be overwhelming for consumers and thus grants them the right to engage a third party on their behalf, should they choose to do so. Therefore, your statement is disgraceful. 

I reserve the right to take legal action against a credit bureau for violating the Fair Credit Reporting Act, and I am confident that I can demonstrate your failure to implement reasonable measures to ensure the accuracy of my credit reports, as well as your current attempts to prolong the process. 

I understand that disputes can be costly and your job may involve delaying them, but you are assuming significant risks by doing so. This letter, dated ( insert today 's date ), serves as formal notice that I request you to proceed with my original investigation request and provide me with the results within 15 days. Consequently, I reject your " form letter '' as legally valid, thus granting you only 15 days instead of an additional 30.

I am deeply frustrated and offended by your accusation, and I have thoroughly researched my rights concerning my credit file. I urge you to promptly address my original request. 

Sincerely yours, XXXX XXXX