Consumer complaint received 2023-12-03
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:
I am writing to express my serious concerns regarding the inaccuracies on my credit report, as well as your failure to validate the debt in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ). 
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer credit reports. It is evident that these procedures have not been followed in my case. 
I have previously submitted multiple disputes regarding inaccurate information on my credit report, including but not limited to : XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX XXXX AUTO - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
XXXX XXXXXXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) Compliance procedures maximum possible accuracy- Please delete immediately! 
Despite my diligent efforts to bring these inaccuracies to your attention, you have not only failed to validate the debt as mine but also neglected to correct the errors on my credit report. 
I remind you of your legal obligation to investigate and address disputes within 30 days, as mandated by the FCRA. Your failure to do so is not only a violation of federal law but also a detriment to my financial well- being. 
I demand the following actions be taken immediately : 1. Properly validate the debt in question as required by the FCRA. 
2. Correct all inaccuracies on my credit report related to this debt.

3. Provide written confirmation within 15 days from the date of this letter, acknowledging the actions taken to validate the debt and correct the inaccuracies. 
Failure to comply with these requests will leave me with no choice but to pursue legal remedies to ensure the accuracy of my credit report. I trust that your agency takes its responsibilities under the FCRA seriously and will rectify this matter promptly. 
I eagerly anticipate your prompt attention to this matter and a swift resolution that upholds the maximum possible accuracy of my credit report, as mandated by federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief