Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: CA
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:
Dear CFPB, I XXXX XXXX XXXX 100 % AM THE ONLY WRITER OF THIS DOCUMENT. AND SIGN THAT ONLY I HAVE PRODUCED ALL INFORMATION STATED BELOW. 

Metro 2 Letter of Compliance - Account Inaccuracies and Violations of Reporting Laws & FAILURE TO RESPOND 30 DAYS I am writing to provide additional information regarding my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate accounts listed on my credit report. Upon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.

As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : XXXX XXXX XXXX  # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  : # XXXX Dept of Ed/ XXXX : # XXXX XXXX XXXX : # XXXX Dept of Ed/ XXXX : # XXXX Dept of EdXXXX XXXX : # XXXX Dept of EdXXXX XXXX : # XXXX Dept of EdXXXX XXXX : # XXXX Dept of Ed/ XXXX : # XXXX Dept of Ed/ XXXX : # XXXX Dept of Ed/ XXXX : # XXXX Dept of EdXXXX XXXX : # XXXX It has come to my attention that the creditors associated with these accounts have failed to comply with various reporting laws, which has resulted in inaccurate and misleading information being included in my credit report. I kindly request that you investigate these violations and take appropriate action to rectify the situation. 

Fair Credit Reporting Act ( FCRA ) Section 604 - Consent : The creditors reported these accounts without obtaining my consent, as required by the FCRA.

FCRA Section 611 - Investigation of Disputes : The creditors failed to conduct a reasonable investigation and provide a timely response within the 30-day timeframe upon receiving my dispute, as mandated by the FCRA.

FCRA Section 623 - Duties of Furnishers of Information : The creditors have provided inaccurate, incomplete, and unverifiable information, which must be corrected or deleted under the FCRA. 

By failing to adhere to these laws, the creditors have not only compromised the accuracy of my credit report but have also violated my rights as a consumer. I request that you take immediate action to address these violations and ensure the removal of these inaccuracies from my credit report. 

Given the severity of the inaccuracies and the adverse impact they have on my creditworthiness, I request an immediate deletion of these inaccuracies from my overall credit report, or else legal action will be pursued and a intent to sue will be filed. 

As a consumer, I have the right to accurate and complete information on my credit report. The inaccurate and incomplete information provided by the above-mentioned creditors has caused substantial harm to my creditworthiness, and it has negatively impacted my ability to obtain credit or loans at reasonable interest rates. 

Furthermore, I would like to point out that the above-listed accounts were reported without my permission. As per Section 604 of the FCRA, the credit bureaus are required to obtain written consent from the consumer before including any item in their credit report. However, in my case, I did not provide any consent to report these accounts, which is a violation of my rights under the FCRA.

I would also like to draw your attention to the exclusion clause under the FCRA Section 603 ( d ) ( 2 ) ( A ) ( i ), which states that " the term 'consumer report ' does not include ... any communication of any of the following types if it is clearly and conspicuously disclosed to the consumer - ( I ) communications related to the account or transaction that the consumer has with the creditor or the creditor 's affiliate. '' As I have never had any transactions or accounts with the creditors mentioned above, their communication should not be listed on my credit report. 

Moreover, as per Section 623 ( a ) ( 1 ) ( A ) of the FCRA, any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Therefore, I urge you to take immediate action to remove the above-listed accounts from my credit report as they are not mine and are inaccurate and incomplete. 

If the above accounts are not removed immediately, I will have no choice but to take legal action against the credit bureaus and the creditors involved. I am confident that my rights as a consumer will be protected by the CFPB and that the credit bureaus and the creditors will be held accountable for their actions. 

Their failure to respond within the designated timeframe is a direct violation of the FCRA, which protects consumers ' rights to timely and accurate investigations of their disputes. As a result, I request that these accounts be deleted from my credit report immediately, as their continued presence is unjust and detrimental to my creditworthiness. 

I kindly urge the CFPB to intervene and take appropriate action against the aforementioned creditors for their non-compliance with FCRA regulations. Furthermore, I emphasize my intent to pursue legal action if the accounts are not promptly deleted from my credit report in accordance with the FCRA. 

Please have XXXX, EQUIFAX, & XXXX only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. 

Sincerely, XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation