Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

This is my fourth attempt to remove negative information from my credit report that does not belong to me. This organization has never provided proof that these accounts actually belong to me and they either have the name, DOB, address, phone number or other personal information incorrect. I have major discrepancies on my report and the FCRA demands that all accounts are reported accurately. XXXX % of the negative accounts on my file have different information being reported by all XXXX bureaus, which is inconsistent and grounds for removal based upon that fact alone. I am absolutely certain that I am not the account holder and it is imperative that this issue gets resolved soon. You have a grave responsibility to make certain the accounts on my credit report are accurate, as Congress would agree with me.I notified you that a bankruptcy reporting on my credit does not belong to me and your results state that these public records stay on file for 7-10 years. I did not ask for the length of time. I asked for you to conduct an investigation and to verify this disputed account. You did no such thing. I reached out to the court to find out your method of verification and I have included their response. The Clerk 's Office affirms they do not provide information to credit reporting agencies. Therefore, if you are not verifying this information with the original source and providing me with the documentation, this bankruptcy is still considered " unverified '' and must be promptly deleted. Be aware that once I state that no reasonable reinvestigation has taken place, I will also have a separate claim pursuant to 1681 ( a ). I am including a lawsuit, XXXX vs XXXX ( now Experian ) XXXX Circuit Court. My lawsuit against your company will include violations of the same statutes, 15 U.S.C. 1681-1681t. A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. 15 U.S.C. 1681o. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages. 15 U.S.C. 1681n. You have shown negligence and willful noncompliance by failing to delete promptly inaccurate or unverifiable entries on my report. 
I have the right to dispute the accuracy or completeness of the credit reports. When you receive a complaint, you must reinvestigate the disputed information " within a reasonable period of time '' and " promptly delete '' credit information that has been found to be inaccurate or unverifiable. I have never disputed information on my credit report prior to my first dispute a few months ago and nowhere in the FCRA does it state that you can pick and choose which disputes your organization processes. Once I notify you that I believe an account is inaccurate, an investigation must take place. If I disagree with the results, a reinvestigation must take place. Once again : Be aware that once I state that no reasonable reinvestigation has taken place, I will also have a separate claim pursuant to 1681 ( a ). 
You are also relying on the subscriber to tell you whether to delete information from my report. In a reinvestigation of the accuracy of the accounts, a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. See XXXX b. XXXX XXXX XXXX XXXX XXXX, FL. Section 1681e ( b ) requires consumer reporting agencies " to follow reasonable procedures to assure maximum possible accuracy ' of the information contained in the credit report. Id. At 284 ( quoting 15 U.S.C. 1681e ( b ) ). The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " grave responsibilities, '' 15 U.S. C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information.