Consumer complaint received 2021-05-07
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. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate, unverifiable and incomplete things on my credit report. 
to this day over 48 days later I have not received proof as demanded to see verifiable proof i.e. any instrument bearing my signature. 
I am a disable veteran and I feel like I am being taken advantage of and being ignored of my disputes.

Section 611 ( a ), plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 48 days so they should be deleted promptly. If an investigation took place which I have not received, then I demand the following : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents.

6. Did you speak directly to any agent that was reporting the information to confirm the accuracy of what you are reporting?

7. If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g. What is the position of the employee of your company that spoke directly to the above party?

h. How long has that employee been employed by your company?

i. What formal training was provided to this employee to investigate items of this kind?

j. Was there any e-mail or written communication between members of your company and the above party?

8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

My information was also impacted by the Equifax data breech and may have got into the hands of the wrong person.