Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Demand for {$1000.00} Fine per FCRA Violation of My Rights Dear Equifax, I hope this letter finds you well. This is my final time and I repeat FINAL time writing to you before we appeared in court. I am writing to bring to your attention the multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) that I have experienced because of your agencys actions. I demand compensation in the amount of {$1000.00} per violation, as allowed by the FCRA. 
I received notification via mail dated XX/XX/XXXX, where you initiated an investigation on XX/XX/XXXX, allegedly and the results of your investigation was you were unable to locate a credit file in your database with the identification we provided ; therefore, in order for you to complete my request, you will need me to submit proof of identification. You have always been sent a copy of my drivers license so you should have it in my file. But since you dont, I will gladly resubmit another copy. However, how did you verify the public record listed for me? What was your process? I requested documentation of this public record and you have failed me as a consumer and have not provided the requested documentation. 

Furthermore, the unverified public record was deleted in XXXX but has been re-inserted without notice. The FCRA clearly states that consumers should be provided with written notice within five business days of the re-insertion of any previously deleted information. This notice should include the name, address, and phone numbers of the furnisher of the information. Failure to provide this notice not only violates the FCRA but also deprives me of the opportunity to address and dispute any inaccuracies or discrepancies in a timely manner. I will submit supporting documentation to back this up. 

I feel I am a victim of DECEITFUL credit reporting by your company. Under the FCRA, credit reporting agencies are mandated to ensure the accuracy and integrity of the information they report. This includes conducting thorough investigations into disputed items, providing consumers with written notice of any changes made to their credit reports, and promptly correcting inaccuracies upon receiving appropriate evidence. I will be attaching evidence that shows XXXX XXXX has no record in their file with a bankruptcy with my name and information listed. So, you are FALSELY reporting this alleged bankruptcy at this point. I DEMAND immediate deletion. It is deeply concerning to discover that your credit reporting agency has FAILED to uphold these obligations, thereby compromising the trust and confidence consumers place in your services. STOP THE DECEITFUL PRACTICES!!! 

Upon further reviewing my credit report, I have identified several instances where your agency has failed to comply with the provisions of the FCRA. These violations include, but are not limited to, the following : 1. Failure to conduct a reasonable investigation : Despite my repeated requests to investigate and correct inaccurate information on my credit report, your agency has neglected to conduct a thorough investigation, as required by the FCRA. 
2. Failure to provide timely updates : Your agency has failed to provide timely updates regarding the status of my dispute, as mandated by the FCRA. This lack of communication has caused significant distress and hindered my ability to rectify the inaccuracies on my credit report. 
3. Failure to correct inaccuracies : Despite providing ample evidence to support my dispute, your agency has neglected to correct the inaccuracies in my credit report, as required by the FCRA. This has resulted in severe financial and reputational harm. 

I would like to draw your attention to Section 616 of the FCRA, which states that for each willful violation of the FCRA, a consumer may be entitled to recover statutory damages of up to {$1000.00}. Given the multiple violations outlined above, I demand compensation in the amount of {$1000.00} per violation, totaling [ total amount ] for the violations committed by your agency. 

I expect your agency to take immediate action to rectify these violations and provide me with the compensation I am entitled to under the FCRA. Failure to comply with this demand within 30 days will leave me with no choice but to pursue legal action to protect my rights and seek additional damages as allowed by law. 

Please acknowledge receipt of this letter and provide me with a written response outlining the actions you will be taking to address my concerns and fulfill my demand for compensation. 

Thank you for your prompt attention to this matter. I trust that you will handle this situation with the seriousness it deserves. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation