Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I write to XXXX, Equifax and XXXX to again DISPUTE my XXXX XXXX Bank ( Synchrony ) accounts AND request that you include the below CONSUMER STATEMENT for Each of the XXXX Synchrony accounts which means there must be XXXX account specific consumer statements for each of my XXXX XXXX accounts incorporated with data for each of the XXXX accounts. I have filed numerous disputes for over 9 months with every CRA and directly with XXXX disputing each of the XXXX accounts. However, every time the required DISPUTE status is entered in my credit reports, XXXX deleted them and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus XXXX times punitive damages ( see XXXX, XXXX XXXX XXXX ) making damages of multi XXXX dollars per account. In XX/XX/2023, I filed multiple consumer demands with the American Arbitration Association ( AAA ) claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to Synchronys arbitration agreement. I have attached multiple letters from AAA to evidence arbitration cases along with pages XXXX, XXXX and XXXX of each claim regarding federal jurisdiction about liability if matters were filed in a U.S. District Court. XXXX has retained counsel and the multiple AAA cases are awaiting fee payments to AAA by XXXX plus its Answers due shortly. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions. I owe XXXX {$0.00} and it owes me millions but my credit reports are inaccurate. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed and failing to report the date of account closure by consumer. Please investigate and update your reports and delete accounts to mitigate damages. I will surely Subpoena CRA records so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX accounts. -CONSUMER STATEMENT For each of my XXXX XXXX  XXXX accounts, Synchrony is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA violations exceeding {>= $1,000,000}. In XX/XX/2023, I filed multiple XXXX page Consumer Demands with the American Arbitration Association ( AAA ) detailing specific calculations of its multi-million dollar liability for each account. AAA cases are pending awaiting payment of billed AAA fees and Answers in each case by the AAAs deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the AAA or JAMS against violators pursuant to arbitration agreements or otherwise in Federal Court if no arbitration provisions exist.

Company response to consumer: Closed with explanation