Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : Formal Notice of Non-Compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Guidelines To Whom It May Concern : I am writing to express my deep dissatisfaction and concern regarding the continued presence of inaccurate negative items and unauthorized soft and hard inquiries on my credit report, despite my previous demands for their removal. Your failure to comply with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards is unacceptable and demonstrates a blatant disregard for my rights as a consumer. 

As previously communicated, I have identified inaccuracies in my credit report, including but not limited to negative items and unauthorized inquiries. In accordance with the FCRA, I am entitled to a fair and accurate representation of my credit history. Your non-compliance with these regulations has caused significant harm to my credit score and financial reputation. 

Your organization 's failure to rectify these errors after receiving my initial notice and demand for removal raises serious questions about your commitment to consumer protection and compliance with the law. Your inaction has left me with no choice but to consider escalating this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I hereby demand immediate action to remove all inaccurate negative items and unauthorized soft and hard inquiries from my credit report. Failure to comply with this demand will result in the initiation of legal proceedings against your organization for violations of the FCRA and any other applicable laws. 

To prevent further harm to my credit standing and reputation, I insist that you undertake the following actions without delay : Conduct a thorough investigation of my credit report to identify and remove all inaccuracies, including negative items and unauthorized inquiries. 
Provide written confirmation of the removal of these items from my credit report as soon as the corrections have been made. 
I urge you to take this matter seriously and prioritize the correction of my credit report to avoid further escalation. I expect a prompt response and action on your part to resolve this issue and restore the integrity of your credit reporting processes. 

Should your organization continue to disregard my rights under the FCRA and XXXX XXXX guidelines, I will not hesitate to pursue all legal avenues available to me, including seeking compensation for damages, statutory damages, punitive damages, and reimbursement of attorney 's fees and court costs. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the inaccuracies in my credit report. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB )

Company response to consumer: Closed with explanation