Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my serious concerns and frustration regarding the Consumer Financial Protection Bureaus ( CFPB ) findings against Equifax in its recent lawsuit. As outlined in your investigation, Equifaxs conduct represents egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically in regard to 15 U.S.C. 1692e ( 2 ), 15 U.S.C. 1681i ( 5 ) ( A ) ( i ), and 15 U.S.C. 1681e ( a ). These violations have caused significant harm to consumers, including myself, and I am compelled to demand stronger accountability and immediate corrective actions. I have been dealing with the demoralizing and often draining process of disputing with this company on multiple occasions. From XXXX XX/XX/XXXX to now XXXX. several letters have been sent out to address the findings on my Credit Report but to only be answered with fictitious investigations, and misleading information on my report such as, addresses, alias, and unverifiable debt. which has been and still is becoming very damaging to my character as a consumer and affecting my ability to apply for homes, get loans, and better my living situation. all this leads to the recent highlight in the current findings for the lawsuit against Equifax. 


The CFPBs findings reveal that Equifax failed to meet its legal obligations in several critical ways : Failure to Thoroughly Investigate Consumer Disputes : Equifaxs dispute process limits consumers ability to fully and accurately describe their disputes. 

In many cases, Equifax failed to consider or review relevant information submitted by consumers. It often deferred excessively to furnishers without meaningfully evaluating whether the furnishers responses were reasonable or supported by evidence. 

Consumers received confusing and contradictory responses, such as being told both this has been verified as accurate and this item has been deleted in the same letter. 

Reintroducing Previously Deleted Errors and Failing to Address Identity Theft : Equifax lacked adequate systems to ensure that errors previously deleted from credit reports were not reintroduced. 

Consumers were forced to repeatedly dispute the same inaccuracies due to Equifaxs failure to permanently correct the information or due to re-reporting of information that had already been addressed. 

Equifax failed to block information stemming from identity theft, thereby further harming consumers. 

Sharing Inaccurate Credit Scores and Data with Lenders : Coding errors in Equifaxs software resulted in inaccurate credit scores being shared with lenders, impacting hundreds of thousands of consumers. 

Equifax also reported the same credit accounts multiple times for more than 50,000 consumers, leading to further confusion and financial harm.

As a consumer, I find these practices deeply concerning. Equifaxs systemic failures not only erode trust in the credit reporting system but also have significant real-world consequences for individuals financial well-being. Consumers depend on credit reporting agencies to maintain accurate information and to act responsibly when handling disputes. Equifaxs actions, as outlined by the CFPB, demonstrate a disregard for these responsibilities and a failure to uphold the law.