Consumer complaint received 2025-01-29 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: IA

Complaint narrative:
I sent over these letters in 2024 and I had no information and no investagation was done for me and was not given any details.

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Late payment history is completely inaccurate across all 3 credit bureaus XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Because I am unable to find any evidence that I have ever been late on a payment to this account you will be responsible for providing it to me if there is any evidence that I have ever been late on a payment. 
XXXX XXXX Account Number : XXXX If you can't prove that you were late with your payment you should switch it to " paid as agreed, Never Late '' 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  Account Number : XXXX Please Delete Immediately 4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  XXXX Account Number : XXXX Please Delete Immediately 6. Because I am unable to find any evidence that I have ever been late on a payment to this account you will be responsible for providing it to me if there is any evidence that I have ever been late on a payment. 
XXXX Account Number : XXXX If you can't prove that you were late with your payment you should switch it to " paid as agreed, Never Late '' 7. If there is any evidence that I have ever been late on a payment to this account you will need to provide it to me because I am unable to find any. 
XXXX Account Number : XXXX You should change the status to paid as agreed never late if you are unable to provide evidence of late payment ( s ).

8. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 XXXX XXXX XXXX Account Number : XXXX If you can not validate the accuracy of this report then please update as paid as agreed.

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.

an ORIGINAL CONTRACT 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 your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} 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.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old.

Thank you for your coperation in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : 1. Late payment history is completely inaccurate across all 3 credit bureaus XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Because I am unable to find any evidence that I have ever been late on a payment to this account you will be responsible for providing it to me if there is any evidence that I have ever been late on a payment. 
XXXX XXXX  Account Number : XXXX If you can't prove that you were late with your payment you should switch it to " paid as agreed, Never Late '' 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX  Account Number : XXXX Please Delete Immediately 4. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  XXXX Account Number : XXXX Please Delete Immediately 6. Because I am unable to find any evidence that I have ever been late on a payment to this account you will be responsible for providing it to me if there is any evidence that I have ever been late on a payment. 
XXXX If you can't prove that you were late with your payment you should switch it to " paid as agreed, Never Late '' 7. If there is any evidence that I have ever been late on a payment to this account you will need to provide it to me because I am unable to find any. 
XXXX Account Number : XXXX You should change the status to paid as agreed never late if you are unable to provide evidence of late payment ( s ).

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.

an ORIGINAL CONTRACT 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 your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} 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.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your coperation in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief