Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I have sent multiple attempted for the last 4 Months for a proper investigation regarding the violations of several FRCA Laws. Violation 605B " it is illegal to report information on my credit report without my permission and to please remove. " NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617.

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 items listed below are not deleted immediately. 
A copy of this letter as well as copies of the three written letters sent to you previously 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.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified, Consumer Disagrees that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( The original entire purchase agreement associated with this alleged obligation NOT a copy! The consumer contract with my signature on it. The agreement that grants the authority to collect on this alleged debt. An explanation of what this alleged account balance is for. Swear under the penalty of perjury that you were present for this alleged debt. A copy of your license to collect a debt in the state of Florida which XXXX XXXX XXXX does NOT have! A color copy of my Drivers License verifying and validating this debt. ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. You are also in violation of 15 USC 1692g ( b ) and 15 USC 1692c ( c ) I am not participating in the collection of this alleged debt so your agency is in violation of 15 USC 1692j and 15 USC 1692d 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.

Company response to consumer: Closed with explanation