Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer Financial Protection Bureau Subject : Dispute Regarding Equitable Violation of Consumer Law, Furnishing Inaccuracies to Companies, and Negligence Dear Sir/Madam, I am writing to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a series of issues related to violations of consumer law, inaccurate reporting to companies, and negligent practices by EQUIFAX. I believe that my rights as a consumer have been infringed upon, and I am seeking a fair resolution to this matter. Which is remedy monetary remedy. This is about inaccuracies and a systematic glitch on their end which caused inaccurate information to be provided to third parties of XX/XX/2022. That should have never happened to my report and EQUIFAX fought me continuously on coming to a just conclusion. This has been back and forth since XXXX XXXX XXXX There was a confirmation for XXXX accounts to be deleted, but over half remained. Now that they are finally deleted. I want damages. 
The case number provided is # XXXX by agent XXXX. They will not supply verifiable proof/exhibits /evidence to how they were furnished these collections. 

I would like to bring to your attention the following concerns : 1. Equitable Violation of Consumer Law : I have reason to believe that EQUIFAX has engaged in practices that violate consumer protection laws, which safeguard consumers rights and ensure fair treatment. These practices include [ malicious compliance, willful non compliance/negligence ].

2. Furnishing Inaccuracies to Companies : I have discovered that [ EQUIFAX ] has furnished inaccurate information regarding my account or financial history to other companies or credit reporting agencies. This inaccurate reporting has had a detrimental impact on my creditworthiness and financial standing. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into this matter.

3. Negligence : [ XXXX ] has displayed negligence in handling my account and providing accurate and timely information. This negligence has caused significant inconvenience, financial harm, and emotional distress. I believe that [ EQUIFAX ] has failed in its duty of care to handle my account responsibly and with due diligence.

I kindly request that the CFPB investigate these matters promptly and take appropriate actions to rectify the situation. I am seeking a fair resolution, which may include but is not limited to : Correction of inaccurate information furnished to companies or credit reporting agencies.

Compensation for any financial losses incurred as a result of EQUIFAXs actions.

Imposition of appropriate penalties or fines on [ EQUIFAX ] for the violations committed.

Implementation of corrective measures to prevent similar incidents in the future.

I have attached relevant supporting documentation, including copies of account statements, correspondence, and any other evidence that substantiates my claims. Please let me know if any additional information is required to proceed with the investigation.

I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or have any questions, please do not hesitate to contact me.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation