Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Urgent Request for Removal of Derogatory Verified Remarks Dear CFPB I hope this letter finds you well. I am writing to bring to your attention a matter of utmost concern that requires immediate action. It has come to my attention that there are derogatory remarks that have been verified, yet their presence is causing significant harm and distress to individuals and communities affected. I implore you to address this issue promptly and take steps to remove these derogatory remarks from circulation. 

I acknowledge and appreciate the importance of fact-checking and verification processes employed by CFPB to maintain accuracy and accountability. However, it is essential to recognize that the impact of certain remarks can extend far beyond their mere verification status. These derogatory remarks perpetuate harmful stereotypes, sow division, and inflict emotional and psychological harm on those targeted. 

Given the verified status of these remarks, I believe it is of utmost importance for CFPB to demonstrate its commitment to promoting inclusivity, respect, and the well-being of all individuals. I respectfully request that you consider the following actions as a matter of urgency : 1. Review the derogatory remarks : Conduct a thorough review of the derogatory remarks in question, examining the context and the potential harm caused. Understand the implications of these remarks and their effects on the individuals and communities directly impacted.

2. Consult with affected parties : Engage in open and respectful dialogue with the individuals and communities affected by these remarks. Seek their input, listen to their concerns, and ensure their voices are heard throughout the process. This step is crucial in understanding the full extent of the harm caused and identifying appropriate remedies. 

XXXX. Remove the remarks : Once a comprehensive understanding of the impact has been achieved, I urge CFPB to take immediate action to remove these derogatory remarks from all platforms, channels, and publications under your control. This removal is essential to prevent further harm and to signal a commitment to fostering an environment of respect and dignity. 

4. Provide a public apology : Issue a public apology to the affected individuals and communities for the pain and distress caused by the derogatory remarks. This apology should acknowledge the harm inflicted, take responsibility for any oversight, and convey a genuine commitment to rectifying the situation. 

5. Implement preventative measures : Develop and implement policies and guidelines to prevent similar incidents in the future. These measures should include robust editorial oversight, diversity and inclusion training, and mechanisms for addressing potential biases or harmful content.

6. Rebuild trust : Actively engage in efforts to rebuild trust with the affected individuals and communities. This may include fostering dialogue, offering support or resources, and taking steps to promote understanding and inclusivity within CFPB. 

I understand that mistakes can occur, and it is how we address and learn from them that defines our character and commitment to progress. By swiftly addressing and rectifying this issue, CFPB has an opportunity to demonstrate its dedication to fostering a safe, respectful, and inclusive environment. 

I kindly request your urgent attention to this matter and look forward to hearing from you with updates on the steps being taken to address this situation. It is my sincere hope that CFPB will take decisive action to remove these derogatory remarks and foster a culture of empathy, understanding, and acceptance. 

Thank you for your immediate attention to this urgent matter. I trust in your commitment to upholding the values that CFPB stands for and believe that you will take the necessary steps to address this issue promptly. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation