Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint serves as my formal request for a comprehensive explanation of how your investigation was conducted, along with your method of verification. As outlined in consumer protection laws, proper verification requires sufficient documentary evidence to confirm the accuracy of the reported information. Failure to review essential documents, such as an account application, constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as established in cases like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ). I request that your response include the following details : What evidence did your representatives uncover that led them to conclude the item is reported accurately? What certified documents were reviewed as part of the investigation? Provide a full copy of all information shared with the data furnisher during the investigation. What expenses were incurred by your company to obtain the necessary documents for this investigation? Proof of your timely acquisition of certified documents. Did you speak directly to any representative of the company reporting this information to verify its accuracy? If yes : i. Who was contacted? ii. What was the date of contact? iii. How long was the conversation? iv. What was the representative 's position? v. What telephone number was used? vi. What is the role of the employee from your company who contacted the representative? vii. How long has that employee been with your company? viii. What specific training was provided to this employee for handling investigations of this nature? ix. Were there any emails or written communications exchanged between your company and the representative? If so, provide copies of all related correspondence and documents proving that a reasonable investigation was conducted. Additionally, please provide : The date the delinquency began. The exact date when this item will no longer be reported. I also request a notarized affidavit affirming that all the information you provide is true and accurate, in accordance with my civil rights under federal law. This matter requires a detailed and specific response, not a generic form letter. My original dispute clearly addressed the account in question, and a template response will not suffice. If you are unable to provide all the requested information within the time frame specified by applicable laws, including the FCRA, I demand the immediate and permanent removal of this item from my credit report. The continued reporting of this erroneous entry is harming my credit rating and has caused significant financial and emotional distress. If you fail to provide either the requested deletion or the documentation supporting your investigation, I will enforce my rights through formal legal discovery and depositions. Please be aware that I am knowledgeable about consumer protection laws and civil/federal court procedures, and I am prepared to represent myself pro se to seek a jury trial if necessary. XXXX XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation