Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: FL
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:
Dear CFPB Team, Last XXXX I tried to submit a dispute with this credit agency where on more than 3 occasions they have not been able to respond to my requests simply saying that everything was verified and showing the same errors. 

The account to be disputed is a bankruptcy that appears in my credit report which I did not submit, was rejected before submitting it and the information presented in the report is inaccurate and incomplete where it does not show neither my assets nor my amounts due in the same way that it is an account to which they were joining me that was not made by me but that in the same way, when trying. 

I hope this letter finds you well. I am writing to you regarding the disputes I have made on multiple occasions to the credit agencies without obtaining any satisfactory results. Despite sending multiple dispute letters, I have received responses indicating that the information has been verified without correcting the errors I have been disputing. This situation deeply concerns me and has led me to seek your assistance in this matter. 

Firstly, I would like to highlight that the credit agencies are violating several laws and regulations that protect my rights as a consumer. According to the Fair Credit Reporting Act ( FCRA ), I have the right to receive a timely and accurate response to my disputes of incorrect credit information. However, to date, I have not received any satisfactory response nor have the errors in my credit report been corrected. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) establishes that I have the right to receive accurate and complete information about any debt attributed to me. However, the credit agencies have failed to provide me with the necessary information for me to verify the validity of the debts being attributed to me. 

In addition to these legal violations, I would also like to highlight the inadequate and unprofessional treatment I have experienced during the investigation process of my disputes. Despite sending more than four dispute letters, I have not received any concrete response nor has any action been taken to correct the errors in my credit report. This level of negligence and lack of response is unacceptable and goes against the principles of transparency and fairness that should govern in such situations. 

Therefore, I earnestly request your intervention in this matter. I ask that you thoroughly investigate the disputes I have filed and take the necessary steps to correct the errors in my credit report. Furthermore, I urge you to take disciplinary action against the credit agencies that have failed to fulfill their legal obligations and have treated my disputes inadequately. 

In the event that the credit agencies do not resolve this situation after your intervention, I am willing to take the necessary legal steps to protect my rights as a consumer. These steps may include, but are not limited to : 1. Filing a formal complaint with the CFPB : If the credit agencies do not respond adequately to your intervention, I can file a formal complaint with the CFPB for further investigation and action. 

2. Hiring a credit law attorney : If the situation is not resolved through regular channels, I may consider hiring a credit law attorney to represent me and take legal actions on my behalf. 

3. Filing a lawsuit : If all other options fail, I may consider filing a lawsuit against the credit agencies for non-compliance with the FCRA and FDCPA. A credit law attorney will be able to advise me on the steps to take in this process. 

I appreciate your attention and prompt response to this matter. I hope that, with your intervention, this situation can be resolved and my credit history can be accurately and fairly restored. I am available to provide any additional information that may be necessary. 

Sincerely,

Company response to consumer: Closed with explanation