Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Equifax, I am writing this letter to express my utmost frustration and dissatisfaction with your company 's handling of my previous disputes regarding my XXXX card account. It has come to my attention that Equifax has consistently failed to conduct a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). Instead, you have terminated the investigation prematurely, within a mere XXXX hours, which is a blatant violation of my rights as a consumer. 
Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, it is your legal obligation to investigate any disputed information and ensure its accuracy. However, Equifax 's repeated and unwarranted termination of investigations undermines the spirit and intent of this vital consumer protection legislation. This practice demonstrates a flagrant disregard for the principles of fairness, accuracy, and accountability that the FCRA aims to uphold. 
I want to draw your attention to the specific account in question, namely my XXXX card account. I have repeatedly disputed the presence of numerous missing payments from the year 2016. It is inconceivable that Equifax could genuinely investigate and resolve such a matter within a mere XXXX hours, as consistently demonstrated by the premature termination of these investigations. This approach does not align with the required standards of thoroughness and diligence. 
I demand that Equifax immediately comply with its legal obligations under the FCRA by conducting a comprehensive and genuine investigation into the aforementioned missing payments on my XXXX card account. It is imperative that you allocate the necessary time, resources, and expertise to thoroughly examine the discrepancies and provide me with a fair resolution. The gravity of this issue necessitates your undivided attention and diligent action. 
Furthermore, I am seeking compensation for the undue stress, time, and effort that your company 's failure to conduct a proper investigation has caused me. As per the provisions of the FCRA ( Section 616 ), I am entitled to recover actual damages resulting from your negligent noncompliance. I demand an amount of {$1000.00} in compensation for the violation of my rights and the inconvenience I have endured due to your company 's negligent practices. 
Failure to comply with this request within 30 days of receipt of this letter will leave me with no alternative but to explore all available legal avenues to ensure my rights are upheld. This includes pursuing legal action, filing complaints with regulatory authorities, and notifying consumer advocacy groups about your noncompliance with federal law. 
In addition to the damages sought, I request that Equifax immediately remove any and all inaccurate and unverified information related to my XXXX card account from my credit report. I expect to receive written confirmation of the removal and resolution of this matter within the aforementioned 30-day timeframe. 
I strongly urge Equifax to rectify this situation promptly to avoid further escalation. It is in both of our interests to resolve this matter amicably and in compliance with the law. I hope that your company will take swift and decisive action to rectify these violations and provide the resolution I am entitled to. 
Please acknowledge receipt of this letter within five business days to confirm that my concerns have been brought to your attention and that appropriate measures will be taken to address them. You may reach me at the contact information provided above. 
Yours sincerely, XXXX

Company response to consumer: Closed with non-monetary relief