Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Against XXXX and Equifax for Inaccurate Reporting and Violation of FCRA Rights Accounts XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing to file a formal complaint against the credit reporting agencies, XXXX and Equifax, XXXX their inaccurate reporting of my consumer credit information. This matter raises concerns about the violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that these companies have failed to uphold the standards set forth in 15 U.S.C. 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), as Congress intended to ensure that a consumer report does not include transactions between the consumer and the person making the report. 

The alleged transaction that XXXX and Equifax are reporting on my credit report has not been factually verified or investigated by either of these agencies. This transaction can be categorized as a direct interaction between the consumer ( myself ) and the person making the report. Therefore, it should not be included in my consumer report, as it violates my rights under the FCRA. 

I have made numerous attempts to have this inaccurate information rectified by contacting both XXXX and Equifax directly. However, my efforts have been met with little to no response, and the inaccurate reporting remains on my credit report. This lack of action on their part further compounds the violation of my rights under the FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against XXXX and Equifax for their failure to adhere to the FCRA guidelines. I believe that my rights as a consumer have been severely compromised by their negligent and inaccurate reporting practices. 

In light of the aforementioned issues, I am seeking the following remedies : 1. An immediate correction of the inaccurate reporting on my credit report, specifically the removal of the alleged transaction in question. 

2. A comprehensive investigation into XXXX and Equifax 's reporting practices to ensure that similar violations are not occurring with other consumers. 

XXXX. Appropriate disciplinary actions against XXXX and Equifax, as deemed necessary by the CFPB, to prevent future violations of consumers ' rights under the FCRA. 

Enclosed, please find copies of relevant documents, including correspondence with XXXX and Equifax, which demonstrate my attempts to resolve this matter directly with them. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this violation of my rights. I look forward to your prompt response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation