Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph XXXX XXXX ( XXXX ) ( B ) ( XXXX ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX  days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, XXXX XXXX XXXX XXXX c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX - You have violated the United States XXXX XXXX XXXX XXXX Code XXXX, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( XXXX ), a consumer reporting agency XXXX furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX XXXX XXXX - XXXX - This account is PAID on time and PAID as agreed! This is a violation of XXXX XXXX CODE XXXX. It was never late, so delete this XXXX late remark from the payment history. XXXX XXXX XXXX ( a ) ( XXXX ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in written instructions of the consumer to whom it relates. Again, remove this XXXX incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. 

XXXX XXXX - XXXX - My information was impacted by the Equifax XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX CREDIT - XXXX - My information was impacted by the Equifax XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXXXXXX XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXXXXXX - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You can not have an inquiry on my credit file without my explicit authorization. Show me proof of a signed authorization or proof of direct credit application. If you can't provide this, DELETE THE INQUIRY IMMEDIATELY

Company response to consumer: Closed with non-monetary relief