Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I write to XXXX, Equifax and XXXX to again DISPUTE my XXXX XXXX XXXX XXXX XXXX ( XXXX ) accounts [ requiring account DISPUTED by Consumer status on my credit reports ] AND request that you include the below CONSUMER STATEMENT for Each of the XXXX XXXX accounts which means there must be 8 account specific consumer statements for each of my XXXX XXXX accounts incorporated within detailed data for each of the XXXX XXXX accounts. I have filed numerous disputes for over 12 months with every CRA and directly with XXXX disputing each of the XXXX XXXX accounts, including FCRA, FDCPA and other disputes which are not accurately and completely reflected on current and prior credit reports. However, every time the required DISPUTE by Consumer status is entered in my credit reports, XXXX deleted them, frequently within a day or the same day and every CRA willfully violated its Facially False Data prohibitions of the CFPB. Such violations are deemed willful by the CFPB and carry statutory damages of {$1000.00} per violation per account per event plus XXXX times punitive damages ( see XXXX, XXXX XXXX XXXX ) making damages of multi XXXX dollars per account. On or about XX/XX/2023, I filed XXXX consumer demands ( cases ), XXXX pages each, with the XXXX XXXX XXXX XXXX XXXX XXXX claiming entitlement to over {>= $1,000,000} in statutory and punitive damages per account pursuant to XXXX arbitration agreement. XXXX has been ordered to promptly pay {$600.00} filing fees per case plus file a timely Answer for each case plus expected per case Arbitrator fees exceeding {$20000.00} plus another {$100000.00} in expected attorney fees which XXXX can not recoup under its arbitration contract even if it prevails in arbitration. 4 more separate XXXX cases are in process of being filed with XXXX against XXXX. XXXX has refused 12 months of attempts to enforce its obligations under the FCRA, FDCPA and other statutes which provide consumers with a private right to enforce statutes without needing to rely on authorities. I have attached multiple letters from XXXX to evidence pending arbitration cases along with a few pages, pages 5, 6, 7, 8, 9, 10, 11, 12, 13, of each claim regarding federal jurisdiction about liability and damage computation which would be actionable with federal subject matter jurisdiction if matters were filed in a U.S. District Court. XXXX has retained counsel and the multiple XXXX  cases are awaiting fee payments to XXXX by XXXX plus its Answers due shortly or already late. I have not filed any federal court case against any CRA yet in hope of obtaining FCRA compliance, especially account deletions, to mitigate damages and enforce FCRA compliance. I could easily amend my pending US District Court Case in XXXX against XXXX, filed XX/XX/2023, by adding every CRA as defendants and/or subpoena documents. I owe XXXX {$0.00} and it owes me XXXX but my credit reports are inaccurate, incomplete and misleading. Liability continues to increase for XXXX and every CRA by failing to report accounts as disputed by consumer and failing to report the date of account closure by consumer. Disputes with XXXX are being actively pursued in binding non-appealable Arbitration with XXXX and any reference that any of my DISPUTES have been Resolved or other inaccurate misleading wording constitutes further FCRA violations the same as not including the mandatory account disputed by Consumer status forever barring deletion, removal, modification, changing, updating or otherwise without my specific written consent which I will never provide. XXXX XXXX non-compliance with intentional or negligent inaccurate and misleading coding errors and data known to be inaccurate by Furnisher and CRAs shall not constitute defenses to stated FCRA violations for failure to include account disputed by consumer exactly with no other options in light of pending arbitration cases. It is obvious that XXXX XXXX has known compliance flaws caused by both Furnisher and CRA human errors. In light of pending XXXX arbitration cases, Deletion of every XXXX account is mandatory once an investigation demonstrates the accounts had been Disputed and thereafter Dispute status was wrongly removed. Please thoroughly investigate and update your reports and delete accounts to mitigate damages. I will surely Subpoena CRA records from every CRA so I expect that the investigation process will be thorough and complete. I ask that you include the following account specific consumer statement for each of the XXXX XXXX accounts. -CONSUMER STATEMENT For each of my XXXX XXXX XXXX XXXX XXXX ( XXXX ) accounts, XXXX is liable to me for statutory and punitive damages for every account for repeated WILLFUL FCRA and FDCPA violations exceeding {>= $1,000,000}. On or about XX/XX/2023, I filed XXXX XXXX page Consumer Demand cases with the XXXX XXXX XXXX XXXX XXXX XXXX detailing specific calculations of XXXX  multi-XXXX dollar liability for each account. XXXX cases are pending awaiting payment of billed XXXX  fees and Answers in each case by the XXXX deadlines. I insist on 100 % compliance with the FCRA, FDCPA and other statutes and I will continue to file Arbitration cases with the XXXX or XXXX against violators pursuant to arbitration agreements or otherwise in Federal Court if no arbitration provisions exist or if circumstances warrant. ( End of consumer statement ). If this statement exceeds the word limitations, you can carefully edit it using reasonable discretion without my review or approval since changes can always be made and some consumer statement is much better than none. So please enter the account specific Consumer Statement for each of the XXXX XXXX accounts.

Company response to consumer: Closed with non-monetary relief