Consumer complaint received 2023-05-11
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 XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear Equifax Information Services LLC, I am writing this letter with a heavy heart to express my utter disappointment and frustration over your continued violation of the Fair Credit Reporting Act ( FCRA ). As a consumer who has been directly affected by your negligence, I implore you to take immediate action to delete the inaccurate, unverifiable, and invalidated information from my consumer file. Failure to comply with my request will result in litigation in accordance with the FCRA to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617. 

Let me share with you how your actions have affected my life. For years, I have struggled to build a good credit score, which is essential for obtaining loans, applying for employment, and other important transactions. Unfortunately, due to your agency 's incompetence and violation of federal law, my credit report is riddled with inaccurate and unverified information, making it impossible for me to get the credit I need to achieve my goals. 

I recently applied for extended credit and was denied, despite my impeccable payment history and responsible financial behavior. The reason? Your agency 's continued refusal to delete the inaccurate and unverifiable information from my credit report. This rejection has left me in a state of distress, as I am unable to access the financial resources that I need to provide for myself and my family. 

As a result, I have had to endure sleepless nights and constant anxiety about my financial future. Your agency 's negligence has caused me significant emotional distress, and I can not begin to express the mental anguish that I have had to endure as a result of your actions. 

I demand that you take immediate action to delete the following items from my credit report : The following personal information is incorrect 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX ADJUST Account Number : XXXX Please remove it from my credit report. 

15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

I would like to remind you that under the FCRA, you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. You have failed to provide me with any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Your continued disregard for the FCRA has caused me significant harm and distress, and I will not hesitate to pursue litigation in this matter to enforce my rights under the FCRA. Please take immediate action to resolve this matter before further legal action is taken. 

Sincerely, XXXX XXXX