Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LAST XXXX OF SSN # XXXX XX/XX/XXXX XXXX XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : ACCOUNT, Violation XXXX XXXX XXXX XXXX XXXX Violation # XXXX XXXX XXXX XXXX XXXXXXXX Violation # XXXX XXXX XXXX XXXXXXXX Inaccurate Inquiries Violation # XXXX XXXX Violation # XXXX XXXX XXXX RE : Notice of Intent to Sue To Whom It May Concern : This letter is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately.

I have already forwarded copies of all correspondences between your company and myself regarding this account, to my counsel. Such correspondence includes ( but is not limited to ) the following : 1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate. 
3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors. 
I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE. 

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$7500.00}. 

I've counted at least 5 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1500.00} per occurrence ( totaling {$7500.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there.

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.

Please note that this letter is being sent by both fax ( for shipment ) and certified mail ( for proof of receipt ) and, just like the previous correspondences between you and I, will be tracked and may be used against you. Your response to this letter is urgent and humbly requested within the next 15 days. 

Thank you kindly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX LAST XXXX OF SSN # XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation