Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Subject : Notice of Violation of FCRA Rights and Demand for Remedy and Compensation [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Re : Violation of Fair Credit Reporting Act ( FCRA ) Rights, Neglect, and Demand for Correction and Compensation Dear XXXXXXXX XXXX XXXX This letter serves as a formal notice of your violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as your malicious neglect and failure to fulfill your responsibility as a credit reporting agency. Your actions, including the failure to provide true, verified, and certified information on my credit report, have caused significant injury and harm to my financial standing. As a result, you have violated your constitutional and sworn commitment to uphold the integrity and accuracy of the information you provide to consumers and lenders. 

Specifically, I have experienced the following issues : Failure to ensure accurate and verified information : Inaccurate, misleading, or outdated entries, including payment histories and erroneous statements, have been reported on my credit file, in violation of 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure the accuracy of information. 
Neglect in addressing disputes : Despite my attempts to address these issues, XXXXXXXX XXXX XXXX has failed to take appropriate and timely action to investigate and correct these errors, violating 15 U.S.C. 1681i, which outlines the procedures for investigating disputed information. 
Continued allowance of abuse by lenders and collectors : By allowing erroneous and unverified information to persist on my report, you have permitted lenders and collectors to exploit this false information to my detriment, contributing to further harm and financial damage.

As a result of this neglect, I have suffered significant financial harm, including but not limited to damage to my credit score, lost financial opportunities, and the undue stress caused by your failure to uphold your obligations under the FCRA.

I hereby demand that you : 1. Immediately correct and remedy all inaccuracies, errors, and unverified information in my credit report.

2. Delete all erroneous and inaccurate statements and adjust my credit report accordingly, ensuring that my payment history and other credit details accurately reflect my true financial status.

3. Provide written confirmation of these corrections and adjustments to me within 30 days of this notice.

4. Compensate me monetarily for the harm and injury caused by your continued neglect, including the financial and emotional toll of dealing with these ongoing issues.

Failure to comply with these demands will result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages for your willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

I expect a prompt and thorough resolution to these matters to prevent further injury. Please confirm receipt of this notice and provide a written response detailing the actions you will take to remedy these violations. 

Sincerely, [ XXXX XXXX ] This notice addresses violations of FCRA rights by XXXXXXXX XXXX XXXX highlighting their neglect and the harm caused, and demanding corrective actions and compensation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Re : Intent to Initiate Legal Action for FCRA Violations and Demand for Remedy and Compensation Dear XXXXXXXX XXXX XXXX, I am writing to formally notify you of my intent to initiate legal action against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ). Your failure to abide by the FCRAs guidelines and statutory obligations has caused significant injury and harm to me as a consumer, and I demand immediate remedy and compensation for the gross misconduct and neglect experienced. 

Your continuous reporting of false, fraudulent, inaccurate, and unverified statements on my credit report, as well as your failure to correct these issues in a prompt and appropriate manner, constitutes a direct violation of the following FCRA provisions : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in credit reports. You have failed to meet this requirement, allowing unverified and inaccurate information to persist in my credit report.

15 U.S.C. 1681i : Mandates a timely and thorough reinvestigation of disputed information. Despite repeated disputes, you have not adequately resolved the errors, which has contributed to ongoing harm and injury.

15 U.S.C. 1681n and 1681o : Hold consumer reporting agencies liable for willful and negligent violations of the FCRA, both of which apply to your gross misconduct in handling my credit information.

The persistent inaccuracies and fraudulent reporting have caused significant damage to my financial reputation, emotional distress, and ongoing harm to my family. Despite your legal obligations, XXXX XXXXXXXX XXXX, has failed to rectify these issues, allowing further harm through the continued use of false and unverified information by creditors and lenders. 

I demand the following actions be taken immediately : 1. Immediate correction and deletion of all false, inaccurate, fraudulent, and unverified information from my credit report.

2. Written confirmation of these corrections and adjustments, including verification that all affected parties ( creditors, lenders, etc. ) have been notified of the corrected information.

3. Monetary compensation for the ongoing injury and harm caused by your failure to meet FCRA standards and statutory requirements.

Should you fail to respond and take immediate corrective action within 30 days of receiving this notice, I will be left with no choice but to file a lawsuit seeking damages under 15 U.S.C. 1681n for willful violations and 15 U.S.C. 1681o for negligent violations, as well as any additional remedies available under the law. 

I urge you to treat this notice with the seriousness it warrants. If XXXXXXXX XXXX XXXX continues to neglect its legal obligations under the FCRA, I will proceed with legal action to protect my rights as a consumer and seek full compensation for the injuries caused. 

Sincerely, [ XXXX XXXX ] This letter outlines an intent to litigate against XXXX et al, for violations under the FCRA, specifying the injuries and harm caused by their neglect and improper handling of credit information, and demanding immediate corrective action and compensation.