Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Legal Department : My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I attached proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

Please help me delete these illegal accounts from my credit reports. Listing all negative accounts from the credit reports. Account names and account numbers attached with complaint with the CFPB. 

This information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity. 

This letter is a formal complaint that you are reporting invalid and incomplete account information as well as both inaccurate and incorrect account information. 

After consultation I found that there are Federal Laws to ensure credit reporting bureaus such as yours may only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors. 

Therefore, Pursuant to 15 U.S.C section 1681 ( e ) of the Fair Credit Reporting Act. Upon receipt of this notification The Fair Credit Reporting Act requires you and I am requesting that you verify the following items : Account Name : XXXX XXXXXXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Please also notify the subscribers who reported these items within 5 days after receiving these disputes, and verify with that person my full name, address, date of birth, social security number, account number, status, date of last activity, balance, high balance, and amount as applicable. 

Please know that if your response to my request contains any remark such as changed, updated or new information below rather than deleted you are in violation of Federal Law, I will be forced to take further action against you as the Federal Law clearly states that the item must be deleted. 

When you finish your investigation Pursuant to 15 U.S.C. section 1681 ( i ) ( 7 ) whereby a consumer reporting agency shall provide to a consumer the requested detailed description referred to in paragraph and section ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from a consumer for that description, of the method of verification used and the name of the person at the source you contacted, the furnishers business name, address, phone number and date this verification has transacted. 

In the event that you continue to list the disputed item on my credit report I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. 

I look forward to an uneventful resolution of this matter. 

Thank You In Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN # : XXXX D.O.B. XX/XX/XXXX