Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX FLORIDA, XXXX ] XX/XX/XXXX Equifax Information Services LLC Attn : Consumer Relations Department XXXX XXXX XXXX XXXX, GA XXXX United States Subject : Dispute of Violation of 15 U.S. Code 1681n and Notice of Intent to Seek Civil Liability Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding your company 's compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681n - Civil liability for willful noncompliance.

It has come to my attention that Equifax Information Services LLC has violated 15 U.S. Code 1681n by failing to comply with the necessary requirements and obligations as outlined in the FCRA. Under this statute, consumers have the right to accurate and fair credit reporting, and any willful noncompliance may result in civil liability for up to {$1000.00} per violation. 

I wish to dispute the following issues that have arisen in connection with my credit report : 1. **Inaccurate Reporting** : There are several instances of incorrect information on my credit report, which has significantly impacted my creditworthiness and financial well-being.

2. **Failure to Investigate Disputes** : I have previously filed disputes with Equifax regarding the inaccuracies on my credit report. However, despite the statutory requirement to conduct a reasonable investigation, Equifax has failed to take appropriate actions to rectify these errors.

3. **Inadequate Response Time** : Equifax has not provided a timely response to my previous disputes, disregarding the FCRA 's requirement to address consumer disputes within 30 days.

It is important to note that these violations are not mere oversights but appear to be deliberate actions of noncompliance. As such, I am requesting immediate remediation of the inaccuracies on my credit report and the correction of any procedural shortcomings in your dispute resolution process.

Furthermore, I want to make it clear that I am aware of my rights under the FCRA and intend to exercise them to the fullest extent of the law. As provided in 15 U.S. Code 1681n, I reserve the right to seek civil liability against Equifax for each willful violation. Please be advised that I am prepared to pursue legal action to ensure that my rights as a consumer are protected and that Equifax 's noncompliance is appropriately addressed.

To resolve this matter promptly, I request the following actions from Equifax : 1. Thoroughly investigate and correct all inaccuracies on my credit report.

2. Provide a written explanation of the actions taken to rectify the inaccuracies within 30 days of receiving this letter.

3. Clearly outline the steps Equifax will take to prevent similar violations in the future.

Failure to comply with these requests within the specified timeframe will leave me with no choice but to pursue my legal rights under 15 U.S. Code 1681n, seeking the maximum allowable civil liability for each violation.

I believe that resolving this matter in a timely and cooperative manner is in the best interest of both parties involved. I request your immediate attention to this dispute and look forward to your prompt response.

Please consider this letter as a formal notice of my intent to pursue civil liability in accordance with 15 U.S. Code 1681n if these issues are not resolved appropriately. 

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy have never been late on payments for the account Please investigate and provide Prodd with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX please update payments to current paid on time on my report XXXX XXXX XXXX please update payments to current paid on time on my report XXXX XXXX XXXX please update payments to current paid on time on my report ATTYGENERL XXXX open date XX/XX/XXXX balance {$15000.00} duplicate account please block and delete from my credit file ATTYGENERL XXXX open date XX/XX/XXXX balance {$14000.00} duplicate account please block and delete from my credit file XXXX XXXXXXXX please block and delete from my credit file XXXX XXXXXXXX XXXX please update payments to current paid on time on my report XXXX XXXX XXXX please block and delete from my credit file Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief