Consumer complaint received 2019-10-11
Company: EQUIFAX, INC.
State: NJ
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:
This letter is a formal complaint the 3 reporting agencies are reporting inaccurate and incomplete credit information and/or that they are profiling, discriminating and/or making erroneous predictions that are affecting my % rates as well as economic well being and/or are affecting the overall economy as well. 

And about their refusal to cease and desist and/or to update and/or correct my information based on facts and not based on what someone else may of done and/or some computer based profiling process and have actual human beings get factual correct informations and/or generate reports not by assuming. 

There are other matters as well please see the letters sent to them and their responses for further informations and/or to grasp the gist of my complaints. 

I am filing a compliant and a dispute to the 3 reporting agencies summary of my credit worthiness as well as their credit scores and/or FICO scores being placed on me. 

I am also filing a complaint about the response or the reporting agencies as well as their lack of proper record keeping and/or their unawareness of dated reports they generated or summaries they made about me. I am requesting copies of what they are reporting on me and to whom and on what dates. What was the nature of the report including the FICO score and/or processes used to determine it the specifics and/or methods used. Their record keeping procssses in relation to my social security # and or reports they generated specifically for the date of XX/XX/XXXX as referenced in my letter sent to them ( see attached copies ) The credit scores were generated from the national credit reporting companies which they determined through a computer based simulation which evaluate millions of people and/or their histories consistently on many different characteristics it compared this information to the loan repayment history of consumers with similar profiles and It was wrongfully applied to my report. Basically I was profiled and discriminated against by the above described process For example, a credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. A total number of points a credit score helps predict how creditworthy you are : how likely it is that you will repay a loan and make the payments when theyre due. A higher credit score is taken to mean you are less of a risk, which, in turn, means you are more likely to get credit and/or pay less for it. 

And there is no one held accountable for it as well as is there any way to dispute ones FICA score. 

I will not tolerate anyone playing coy with me and/or acting like they dont know what reports they made on me especially when the date and a copy was provided as well as I specifically addressed the topics and/or was clear in my complaint/ dispute. 

I am distressed that they have included the inaccurate false narratives and/or provided such informations below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. 


Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. They also protect people from discriminations and/or profiling. Consumers are entitled to equal and fair access to credit as well as rates. 

( ECOA ) prohibits credit-related discrimination. The Equal Credit Opportunity Act ( ECOA ) was enacted in 1974 to prevent Discrimination. 

A consumer credit system allows consumers to borrow money or incur debt, and to defer repayment of that money over time. Having credit enables consumers to buy goods or assets without having to pay for them in cash at the time of purchase. Having a good credit record means that a person has an established history of paying back 100 % of his/her debts on time. It shouldnt be based on someone elses history and/or some computer based profiling systems. 

And they should be corrected and fixed when the profiling based systems used were in fact wrong. 

Thank you for your time and support as well as in advanced for looking into this matter as well as addressing it at any levels you find necessary including the legislative branches. 

I also request that you explain to the 3 reporting agencies what my compliant is about and why since they appear to be confused as to what it is in references to. 

( Please Note I also served in the XXXX XXXX and was not able to ck both ) Professionally, XXXX XXXX

Company response to consumer: Closed with non-monetary relief