Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
1. Please Remove XXXX XXXX XXXX  Account : XXXX am disputing this account for inaccurate information because you are reporting inaccurate information on my credit report this is Violation of Law FCRA Section 605b .Must be deleted Asap. 

2. Please Remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX am disputing this account for inaccurate information because you are reporting inaccurate information on my credit report this is Violation of Law FCRA Section 605b .Must be deleted Asap. 


XXXX. This account is inaccurate because you have the XXXX  name wrong. You are supposed to be reporting the court name along with the city and state and you have failed to do so. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove this inaccurate public record from my credit report as it is being reported without a permissible purpose. I am also requesting method of validation from the Courthouse please provide that documentation if you can not provide that within 30 days remove this from my report 4. Please Remove all inaccurate address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have not been a resident at either addresses. My current Address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 




Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Did you provide the proper information in your XXXX form that you provided to the Creditor? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/ Phone number listed on my report? The Fair Credit Reporting Act says you have 15 days to tell me if I ask. Do not provide me with a generic response of how you use various methods. Tell me exactly how you verified them as this could be used in court Also, what is the date of commencent of delinquency? the original creditor is required to give that to you. So when is that? When will these accounts be past the reporting timeframe? Don't provide me with the generic " 7 years '' response. I am aware of that. Tell me when these alleged accounts became delinquent and specifically when they will be removed. Supply your response within 15 days or delete these accounts.

Please send the following information used to verify the validity of the accounts listed above along with information regarding my investigative consumer report or I demand these accounts be deleted in their entirety : XXXX. The XXXX form that you have sent to the data furnishers to complete the investigation XXXX. The Universal Data Form that was sent to you from the data furnisher to verify these accounts as " Accurate '' 3. Provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation 4. The name of the original creditor 5. The creditor 's Address and Telephone number.

6. A full disclosure of my entire credit file is requested under section 609. Since I have provided proper identification under section 610 you have to release this to me In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. Failure to provide the Universal Data Form that was sent from the data furnisher to yourself can put you into alot of trouble. 

Notice of Warning For Any Delay In Processing by Credit Bureaus I am aware of your attempts to delay the processing of many consumers ' disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 5 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist.

Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you. 





Thanks in advance XXXX XXXX

Company response to consumer: Closed with explanation