Consumer complaint received 2024-03-28 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: CA

Complaint narrative:
XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, California XXXX RE : I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required personal identifier information that is not in exact agreement with my submitted FACTUALLY, CORRECT CURRENT PERSONAL IDENTIFIERS as indicated above! To whom it may concern : XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account # XXXX Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF, of all claims ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELESS, COMPLETNESS, OWNERSHIP, OF RESPONSIBLITY, and VALIDITY including any STANDARD necessary be it mentioned or NOT! COMPLAINT REPORTING or VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its reportability and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged. After reviewing my credit report, I have identified the following item ( s ) that are incorrect : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 


12 CFR 1006.34 - Notice for validation of debts.

1006.34 Notice for validation of debts.

( a ) Validation information required ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. 

( ii ) The consumer 's name and mailing address. 

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in XXXX ( f ), the name of the creditor to whom the debt was owed on the itemization date. 

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 

( v ) The name of the creditor to whom the debt currently is owed. 

( vi ) The itemization date. 

( vii ) The amount of the debt on the itemization date. 

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt. 

Otherwise, anyone paying for your reporting services, could fax mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a certification from the creditor that the certified accuracy and completeness of the information/accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit! Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy or verifiable proof, you must DELETE the accounts listed below. 


XXXX. XXXX XXXX Code XXXX - Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX This is clearly a violation of law under XXXX XXXX Code XXXX XXXX. XXXX XXXX Code XXXX - Validation of debts Account Name : XXXX XXXX  XXXX Account Number : XXXX This clearly a violation of law under XXXX XXXX Code XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also please add a promotional suppression to my consumer file. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and delete them from my report. It is my understanding that you will verify these items with the relevant creditor. Please remove any information that can not be verified by the creditor. I am aware that, as per XXXX U.S.C. Sec. XXXX ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Furthermore, I kindly request that you send an updated copy of my credit report to the aforementioned address. As stipulated by the act, there should be no charge for this updated report. Additionally, I would appreciate it if you could notify anyone who has received my credit report in the past XXXX months about any corrections made. 

Thank you for your attention and assistance in this matter. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief