Fax # for Equifax

Maynard Bryant (consumer affairs, i.e. legal dept.)


phone number 1-678-795-7941

He has a fax, but I don't know it.


Consumer affairs general number, I think, is 1-678-795-7927. I got into an argument with regular Equifax customer service today and pulled teeth to get this number from the lady. Of course, when I called it, it said "computers are down, please call back tomorrow". I wonder if she gave me a bogus number.

But the Maynard Bryant one works. Takes you straight to his office. Do remember that you are dealing with the legal dept. - but with an issue like yours, it should be pretty easy to have that deleted AND cloaked. You have Equifax on reinsertion without notification anyway.



Remember my advice is FREE and that of a non-professional. Proceed on your own recognizance...

 

Date

Credit Reporting Agency
123 West Street
Anytown, State Zip

Cert Mail # 1111 2222 3333 4444 5555

Re: Account Number: 123456789 For Jane Smith.

To whom it may concern,

Dear Sirs,


This item was ordered deleted by the furnisher of information on [date]. Your agency complied with the deletion demand on or about [date]. Upon pulling my report on [Date] I noticed the same item has been re-inserted. I contacted the original creditor to ask why and they stated that they did NOT communicate with you regarding this account.

May I remind you of the following:

FCRA § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
(5) Treatment of inaccurate or unverifiable information.
(B) Requirements relating to reinsertion of previously deleted material.
(i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

This is a formal demand that you provide me with the federally mandated "certification" from ABC Company, (the original creditor). Please fax this certification to me directly at 123-456-7890.

If you ignore this demand or fail to respond accordingly I will file suit in Federal District Court in the city of XXXXXXXXXXX, County of XXXXXXXXXXXX, within 3 business days after the tracked and verifiable receipt of the letter. YOU HAVE 72 HOURS TO CURE!

I shall seek specific, statutory and punitive damages in excess of $100,000 for your willful failure and negligent noncompliance of federal law, in demand of a jury trial.

Furthermore,

(ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

You have failed miserably in your duty to notify me of this re-insertion, as I have received NOTHING from you.


(C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)).

You have not implemented the required procedures for avoiding such mistakes.

There is cause for substantial damage on my part.

Optional: Should you wish to call me I can be reached at: 321-543-0987 between the hours of 9am - 5pm. (insert your time)


Regards,

ME
My Address
City State Zip
Fax #:

(list your enclosures)



You guy's can help perfect this letter if you want but I think we really need this. We MUST start demanding this "certification".

 

Leencaci,

You'll need to wait out the 5 days or (ii) won't be usable as leverage.

But the LET EM HAVE IT WITH BOTH BARRELS.

 

281 is a Houston area code. What they doing down there??