Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Im a victim of identity theft as well as invalid and unauthorized credit reporting. I have been disputing the same fraudulent accounts and late payments for 2 years with no avail. Im SUING!!!!!!!! for full damages!!!!!!!!!!. These are the accounts that you claimed were validated!!!!! I filed a complaint with my PENNSYLVANIA ATTORNEY GENERAL XXXX XXXX XXXX case No. XXXX also Ive filed a XXXX complaint. And Ive hired a consumer. .attorney XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX : This is the fraudlent reporting i found : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Balance : {$610.00} XXXXXXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$390.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX : {$3200.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX : XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$5900.00} Date XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX Account # : XXXX Balance : {$69.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$390.00} Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} 1. What certified documents were reviewed to conclude your investigation? 2. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 3. What did it cost your company to obtain the documents needed to complete your investigation? 4. Please provide proof of your timely procurement of certified documents. 5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes to above : Who did you speak to? On what date? How long was the conversation? What was their position? What telephone number did you call? What is the name of the employee of your company that spoke directly to the above party? What is the position of the employee of your company that spoke directly to the above party? How long has that employee been employed by your the company? What formal training was provided to this employee to investigate items of this kind? Was there any e-mail or written communication between members of your company and the above party? Addressee : 10 Provide copies of all correspondence ; supply copies of all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Provide the SPECIFIC date reporting that these items will cease. Please refer to consumer law 15 U.S. Code 1681c2 - Block of information resulting from identity theft According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Addressee : 14 Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report, and I am like to invoking my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements.