Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Complaint and Dispute Concerning Inaccurate Credit Reporting and Non-Compliance with FCRA. XXXX Dear XXXX XXXX XXXX XXXX, I am writing to file a formal complaint and dispute regarding XXXX XXXX XXXX XXXX continued reporting of inaccurate and incomplete information to the credit bureaus. Despite my repeated correspondence on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, requesting updates to my address information and the removal of two erroneously reported late payments for XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has yet to take corrective action. 
This inaction constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) - 1681s-2 ( a ) and 1681s-2 ( b ). I must highlight that, in an email response dated XX/XX/XXXX, you acknowledged the bureaus role as the intermediary, specifying that the credit bureaus do not have the ability to adjust payment history, as that is the responsibility of the data furnisher ( XXXX XXXX XXXX XXXX ). '' You further clarified that FCRA mandates the accurate reporting of consumer data. However, despite this acknowledgment, my dispute remains unresolved. 

Yesterday, XX/XX/XXXX, upon consultation with the XXXX XXXX XXXX department, it was confirmed that the inaccurate address reporting originates from XXXX XXXX XXXX XXXX. I have attached Experians findings, which indicate an incorrect address record that was reported by XXXX XXXX XXXX XXXX. This failure to rectify inaccurate reporting breaches FCRA- requirements for fairness and accuracy in credit reporting. 

Inaccuracies and Incorrect Findings XXXX. XXXX Credit Report ( Report XXXX. XXXX, Generated on XX/XX/XXXX ) : Address : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX. Notification from XXXX : This address was reported to XXXX by XXXX XXXX XXXX. Please contact the company to verify that they have your correct address. 
These repeated instances of inaccuracy and incomplete information significantly impact my credit profile, necessitating immediate corrective action. 
Request for Corrective Actions In light of these persistent issues, I request the following actions : 1. Removal of Late Payment Marks for XXXX and XX/XX/XXXX : These entries are inaccurate due to an unreflected payment arrangement. I request these entries be removed to accurately reflect my payment history. Considered these payments been made and that the account in currently in good standing.

2. Data Verification and Update : Please conduct a thorough investigation of my account, verifying all reported data and current and correct address reported to ensure accuracy across all credit bureaus.

3. Removal of Unauthorized Inquiry : I request the removal of an unauthorized credit inquiry dated XX/XX/XXXX and an assurance of no future access to my report without written consent. 
XXXX. Rescind Consent for Report Access : Ensure XXXX XXXX XXXX XXXX ceases any further access, communication to self-purposes or sharing of my credit report information with third parties without explicit written authorization. 
XXXX. Immediate Correction of Address Records : Correct or remove the incorrect address record of XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX from all reporting databases. 

Consequences of Non-Compliance To date, XXXX XXXX XXXX XXXX has : Failed to resolve this dispute within the required XXXX timeframe per my memos. 
Failed to include the agreed-upon payment arrangement, leading to the erroneous reporting of XXXX and XX/XX/XXXX payments as delinquent. 
Violated privacy rights by accessing my credit report without authorization and written consent on XX/XX/XXXX. 
Failed to correct inconsistencies across payment histories reported by Equifax, XXXX, and XXXX. 
Correct or remove the incorrect address record of po box XXXX, XXXX XXXX XXXX, FL XXXX from all reporting databases. 
The applications of ( FCRA ) - 1681n ; 1681o ; 1681s-2 ( b ).

This situation has led to a significant decrease in my FICO score by over 50 points, jeopardizing my access to fair credit terms.

Given these infractions, I am formally requesting the Consumer Financial Protection Bureau ( CFPB ) and other financial consumer rights organizations to initiate a formal investigation and pursue any necessary penalties for the financial and reputational harm caused by XXXX XXXX XXXX XXXX non-compliance. Under the ( FCRA ) - 1681n ; 1681o ; 1681s-2 ( b ).

Please regard this letter as my final demand for the requested corrective actions.

Failure to comply will prompt me to pursue all available legal avenues under the FCRA. Credit Reporting Act ( FCRA ) sections : 1. Section 1681n : Civil Liability for Willful Noncompliance 2. Section 1681o : Civil Liability for Negligent Noncompliance 3. Section 1681s-2 ( b ) : Duty of Furnishers to Investigate Disputes Please send me written confirmation that these inaccurate reports have been corrected and notify all credit reporting agencies of the necessary changes.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Drivers License ( for identity verification ) Copy of FPL bill ( for address verification ) Copy of 3 prior dispute letters Other, XXXX ( credit supporting documents )