Consumer complaint received 2024-08-22 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: MI

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were XXXX % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX XXXX XXXXXXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX XXXX - XXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

SXXXX XXXX XXXXXXXX - You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you are required to immediately remove the accounts mentioned in this letter. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, the Better Business Bureau, and the Federal Trade Commission. Your immediate attention to this matter is expected.

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : HMF - 03/20/2024 - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX - XX/XX/XXXX - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX XXXX XXXXXX/XX/XXXX - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 
NAVY FCU - 01/09/2023 - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX - XX/XX/XXXX - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

ALLY FINANCI - XX/XX/XXXXXXXX - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - Per FCRA Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, SSN, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX - XX/XX/XXXX - Per FCRA Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, XXXX, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it. 

XXXX XXXX - XX/XX/XXXX - Per FCRA Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), I request the immediate removal of inaccurate and unverified personal information from my credit report. Do not retain or report any name, address, XXXX, or date of birth other than what I listed in this letter. Delete any other personal information infringing on my rights or provide proof of your legal right to retain it.

Company response to consumer: Closed with non-monetary relief