Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/year> Subject : Dispute of Reinstated Collection Account Violation of FCRA and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the recent reappearance of a collection account on my Equifax credit report. As of XX/XX/year>, a new collection entry from XXXX XXXX XXXX  has been added, claiming to collect a debt originally from XXXX XXXX XXXX XXXX  This is particularly disappointing given that I previously secured the removal of this account due to identity theft, as documented in prior correspondence. 

It is unacceptable that the account has resurfaced under a different lender after being removed. The actions taken by Equifax and the data furnisher lack professionalism and violate federal laws designed to protect consumers. The Fair Credit Reporting Act ( FCRA ) imposes strict guidelines on how credit information is reported and requires verification of debts before they can be added to a credit report. Specifically : 1. FCRA Section 605 ( a ) prohibits the reporting of any debt that has been previously disputed and found to be inaccurate or unverifiable. I have provided sufficient evidence that this account was removed due to identity theft.

2. FCRA Section 609 ( a ) ( 1 ) ( A ) requires furnishers of information to provide complete and accurate information to credit reporting agencies. Your failure to do so by allowing this
account to be reported again constitutes a breach of these regulations.

3. FCRA Section 611 ( a ) ( 1 ) mandates that consumers have the right to dispute the accuracy of information on their credit report. I have already initiated this process, and any subsequent reporting of this account is a direct violation of my rights.

This recent entry has already resulted in a 39-point drop in my credit score, significantly impacting my ability to obtain credit and affecting my financial stability. I am requesting the following actions : 1. Immediate Deletion of the Account : Remove the collection account from DEBT RECOVERY SOLUTIONS related to THE BANK OF MISSOURI from my credit report without delay.

2. Written Confirmation : Provide me with written confirmation that the account has been deleted.

3. Compensation for Damages : Due to the unauthorized reporting of this account and the distress it has caused, I am seeking compensation for the damage to my credit and the undue hardship it has imposed on my ability to provide for my family.

If these requests are not addressed promptly, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for violations of the FCRA, which may include seeking damages for the impact on my creditworthiness and financial situation. 

Thank you for your immediate attention to this matter. I expect a prompt response. 

Sincerely, XXXX XXXX XXXX