Consumer complaint received 2023-11-16
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, FL XXXX XXXX XXXX XX/XX/2023 Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : FCRA Violation Notice and Request for {$1000.00} Fine per Violation Dear Sir/Madam, I am writing to inform you of a violation of the Fair Credit Reporting Act ( FCRA ) and to request a fine of {$1000.00} per violation, as allowed under the FCRA. It has come to my attention that your organization has failed to comply with the provisions of the FCRA, resulting in significant harm to my creditworthiness and financial well-being. 

Upon reviewing my credit report, which was obtained from your credit reporting agency, I discovered multiple instances where the FCRA regulations were not followed. These violations have caused me undue stress, financial hardship, and a loss of opportunities. I kindly request that you take immediate action to rectify this situation and impose the appropriate fines as stipulated by the FCRA. 

I would like to bring the following points to your attention : 1. You have failed to verify the accuracy of the now deleted account, XXXX XXXX XXXX. You have continuously listed the account as open when in fact the account has been closed for years. You have failed me as a consumer, and you have repeatedly lied to me about the accuracy of this account. 

2. As a result of this violation, I have denied credit, paid higher interest rates, and have been denied employment opportunities. 

Under the FCRA, each violation can result in a fine of up to {$1000.00}. Given the number of months you have reported this account as open, I request that you impose the maximum fine for this violation. These fines are not only intended to compensate me for the harm caused but also to serve as a deterrent to future violations and to ensure that your organization takes its responsibilities under the FCRA seriously. 

I trust that you will promptly investigate these violations and take the necessary steps to rectify the inaccuracies on my credit report. Furthermore, I expect you to comply with the FCRA by providing me with a written explanation of the actions taken to address these violations and the fines imposed. 

Please be aware that failure to comply with the FCRA and address this matter in a timely and appropriate manner may result in legal action being taken against your organization, including the pursuit of additional damages and penalties as provided for under the FCRA. 

I appreciate your immediate attention to this matter and your commitment to resolving these violations in accordance with the FCRA. I expect a written response from you within 5 days of receiving this letter, confirming the actions taken to investigate, rectify, and fine the violations identified. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation