Consumer complaint received 2017-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a letter to Equifax on or about XXXX/XXXX/XXXX, concerning the following items on my credit report with no response to this day. 

XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX/XXXX/XXXX XXXX : XXXX XXXX To Whom it May Concern : Please IMMEDIATELY DELETE the items listed below found on my credit report and provide me with copies of any documentation associated bearing my signature ( An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. ), and a complete description of the reinvestigation procedure per item as required by the Fair Credit Reporting Act : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Upon receiving a copy of my credit report, I am disputing the following items : ACCOUNTS 1st DATA XXXX XXXX CAP XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INDVL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$77.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1800.00} I am unaware of accounts with these companies as reported. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( A ) ( 5 ), and I am keeping careful record of your actions. 
22 Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company and every other remedy provided by law. 

I fully intend to seek {$1000.00} per item in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Additionally, other than the items in question you may not place an alert or promotional block etc. on my file without expressed permission. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX IL XXXX