Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As XXXX XXXX, a fair resolution based on my dispute letter would include the following actions under the relevant U.S. Code laws : 1. Correction of Inaccurate Personal Information The incorrect addresses listed on my credit report ( XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX should be deleted immediately. Accurate personal information is required under 15 U.S. Code 1681c, and failure to correct this violates my rights. 

XXXX. Update Late Payments to Reflect Accurate Status For the following accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) These late payment entries must be updated to reflect " paid as agreed, never late '' unless the creditors can provide valid documentation substantiating the reported information. This aligns with 15 U.S. Code 1681s-2, which requires furnishers to provide only accurate and verified data. 

XXXX. Validation or Deletion of Debts For the XXXX account ( XXXX ), I requested validation under 15 U.S. Code 1692g. The debt collector must provide : The original signed application, contract, or other relevant documentation. 
Proof of authority to collect the debt, including a notarized agreement with the original creditor. 
If this can not be provided, the account must be removed from my credit report as false or unverifiable information. 
4. Verification of Permissible Purpose for Credit Inquiries For XXXX ( XX/XX/year> ) and XXXX XXXX XXXX XXXX  ( XX/XX/year> ), these inquiries must be verified under 15 U.S. Code 1681b ( a ) ( 2 ) to ensure a permissible purpose existed. If no valid authorization can be shown, these inquiries must be deleted from my credit report.

5. Timely and Transparent Investigation Under 15 U.S. Code 1681i and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to : Complete a full investigation within 30 days.

Provide a detailed explanation of the method used to verify the disputed items.

I explicitly stated that I do not consent to automated verification systems like e-Oscar, as they fail to meet the thorough investigative standards required by law.

6. Avoiding Legal Consequences Failure to address these disputes properly may result in legal action. You could be held liable for : Defamation for knowingly allowing false information to persist.

Negligent Enablement of Identity Fraud if inaccuracies lead to misuse of my personal information.

Violations of the Fair Credit Reporting Act, with statutory damages of up to {$1000.00} per violation.

Resolution I Am Requesting Personal information : Correct or delete the inaccurate entries.

Accounts with disputed late payments : Update payment history to accurately reflect " paid as agreed, never late. '' Unverified debts : Provide full validation or remove the accounts if validation can not be substantiated. 
Unauthorized inquiries : Remove any that can not be supported by a valid permissible purpose. 
Investigation : Respond with the results of a thorough investigation and provide detailed methods of verification within the legally mandated 30 days. 
This resolution is not only fair but also required under the FCRA and related laws to protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief