Consumer complaint received 2024-07-23 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: TN

Complaint narrative:
This is my Fifth and final Written Notice notifying you of currently reported injurious claim ( s ) unproven yet to be factually and physically validated true, correct, complete, timely, and certifiably XXXX XXXX Format Compliant! These claims are requested check for requisites and immediately removed from reporting so to ensure lawful compliant reporting of ONLY factually true correct complete timely validated and certified allegations! Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED and/or INVALID, UNPROVEN, INCONSISTENTLY reported items listed below are not deleted immediately. A copy of this letter as well as copies of the previous written letters sent to you will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I recently reviewed my credit profile and noticed inaccuracies and false accusations. Per my state 's reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and or certifiable compliant reporting else wise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA and FDCPA laws much less the standard of compliant reporting of the documented perfect and complete XXXX XXXX Format compliance of reporting! Your reporting is at a minimum, questionable and not factually substantiated and as such does not meet the minimum criterion of lawful reporting nor assumption of true and validity otherwise. Despite numerous previous written requests, the unverified, unproven outdated, items listed below remains on my credit report in violation of Federal Law. Please be advised that under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA you are required to. DELETE all information which is inaccurate, incomplete or can not be verified. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I DEMAND THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELY. UNLESS IRREFUTABLY PROVEN, PHYSICALLY, TO BE FULLY XXXX XXXX COMPLIANT AND CURRENT, TRUE, CORRECT, COMPLETE, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY ALLEGATIONS CAN BE LAWFULLY RETAINED MUCH LESS LEGALLY REPORTED. The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Account : XXXX Alleged Account Number : XXXX Dispute Reason ( s ) : This item has illegally re age this account. This account is past the statue of limitation for reporting. The debt last activity date states differently than the original date of the first debt.. This account is reporting a updating last active date XX/XX/year> which is a illegal re-aging an account act due to FCRA Section 623 ( 5 ) ( A ).

The law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. Desired Dispute Resolution : IMMEDIATELY Delete this account per the FCRA and FDCPA

Company response to consumer: Closed with non-monetary relief