Consumer complaint received 2024-02-25
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. (LA)

I tried to initiate verification from XXXX XXXX XXXX by XXXX mail on XX/XX/24 I requested all verification documents as outline by the FCRA ; I received delivery notification that the mail was delivered and signed by XXXX XXXX on XX/XX/24. Today XX/XX/24 is now surpassed 30 days and I still have not received the requested documents I requested from XXXXXXXX XXXX XXXX. I have attached the letter sent to XXXX XXXX  along with the certified mailing information and delivery receipt. I also requested the bureaus to do an investigation on the account below for accuracy accounts came back verified I do not believe an investigation was done because its no way the accounts would come back verified as accurate due to the large discrepancies and information mismatch. I demand this inaccurate account to be DELETED from being furnished on my consumer reports! This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and remove this account. I also tried to search company via CFPB to XXXX XXXX XXXX is not furnished under the CFPB website to respond to complaints! 
ACCOUNT ; Creditor : XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
I demand you to CEASE and DESIST the reporting of incorrect/in accurate information XXXX XXXX Code XXXX XXXX Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I kindly request that the inaccurate account entries be promptly investigated and removed in accordance with the FCRA, FDCPA XXXX and all relevant consumer protection laws.You have not followed XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something. 
You have caused me and my family severe harm due to your negligence and INACCURATE reporting. This is a final opportunity to Cure and DELETE this Erroneous, inaccurate account from my XXXX report. 
This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. 
I dispute this alleged debt pursuant to XXXX XXXX XXXX. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F XXXX ( XXXX ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to XXXX XXXXXXXX XXXX XXXX ( a ) Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I request that you provide me the XXXX XXXX Of XXXX showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and XXXX have caused me and my family severe harm.This is a final opportunity to Cure and DELETE this INACCURATE ACOUNT! you are willfully failing to comply with requirements of the FCRA with respect I am liable to consumer damages, or punitive damages of up to {$1000.00} if you continue to violate my rights.You ARE PROHIBITED BY LAW to furnish inaccurate information you are hereby put on NOTICE that you are furnishing incorrect INACCURATE information even after I the consumer has bought it to your attention. 
XXXX XXXX XXXX XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
THIS IS THE FINAL OPPORTUNITY!