Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MI
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:
Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX  Subject : Arbitration Request for Multiple FCRA and Metro 2 Compliance Violations all incorrect information is enclosed and underlined in this request for arbitration. 

CC : Michigan State Attorney General XXXX XXXX Dear Equifax Arbitration Department, I hope this letter serves as a direct and urgent indication of my integrity being XXXX by XXXX ; with the multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance on my credit report, which have severely damaged my creditworthiness and financial standing. The extent of these violations which continue to persist even after 4 letters begging for Equifax to do their job and delete the huge amount of inaccurate and derogatory lies on my credit report, combined with Equifaxs apparent disregard for ethical reporting practices, has led to significant distress and financial hardships on my part. I have become XXXX over this stressful and XXXX  producing nightmare that is causing my XXXX to become worse. Severe XXXX, XXXX  disorder, XXXX, XXXX XXXX XXXX, and XXXX have all gotten worse-AND YOU ALL KNOW THAT FORM MY HEALTH EXPLANATIONS I'VE SENT MULTIPLE TIMES WITH XXXX SOCIAL SECURITY DOCUMENT! All of your lack of complying is because you are being paid by credit and finance companies like ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to be in bed with them and be paid to deflate my credit scores, and leave all of the derogatory and false hoax information to get funded for your lies! 

The FCRA and Metro 2 Compliance violations that I have identified are not only numerous but also blatantly egregious. These violations include, but are not limited to : 1. **Inaccurate Account Information** : Derogatory opinion based remarks, incorrect dates of opening, incorrect dates of closing, false high balance, wrong last used date, wrong dates last reported, incorrect high usage amount, even two account numbers for same card! and EVEN NEW CHARGE OFF STATUS EVERY MONTH. They are all listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE RECEIVED IRS PROOF THE COMPANIES WERE PAID OFF AND STILL Equifax WILL NOT HELP! 

2. **False Reporting of Late Payments** : 3. **Erroneous Personal Information** : 4. **Violation of Reporting Timeframes** : Equifax continues to break violations and reports in 60 days-45 days. Clearly wrong to do this to me! 

These violations demonstrate a lack of commitment to ethical and accurate credit reporting, which is essential for maintaining the integrity of the credit reporting system. Furthermore, these errors have had far-reaching consequences on my ability to secure credit and favorable terms, and they have caused unnecessary stress and frustration. I have been denied so many credit opportunities through years in my life since these violations Equifax has caused on my credit report. I need transportation for my doctor visits, and a good home! 

I am compelled to seek resolution through arbitration, as this process is not only a fair means of addressing disputes but also serves to hold Equifax accountable for its violations. It is my firm belief that a thorough investigation and rectification of these violations are not only necessary but also a legal obligation on Equifax part. 

I request that Equifax undertakes a comprehensive investigation into these violations in accordance with FCRA and Metro 2 Compliance guidelines DELETE ALL DEROGATORY, INACCURATE, WRONG ACCOUNTS NOW. Subsequently, I request a written response detailing the outcomes of your investigation, the corrective actions taken to remedy these violations, and a clear timeline for the implementation of these corrections in my credit report. 

Furthermore, I demand an updated and accurate copy of my credit report reflecting the necessary corrections, as well as confirmation that these corrections have been reported to all relevant credit bureaus. 

Please provide me with detailed information and documentation regarding the arbitration process, including any forms that need to be completed and the associated fees. Given the seriousness of these violations and their impact on my financial well-being, I am fully committed to pursuing resolution through arbitration. 

Feel free to contact me IN A TIMELY MANNER. 

I anticipate a timely and diligent response to this arbitration request. The severity of the violations necessitates swift action and accountability. 

Thank you for your immediate attention and cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief