Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XX/XX/year> To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX TO COMPLY - Violation of Federal Consumer Protection Laws and XXXX XXXX XXXX Failure This is a formal DEMAND TO COMPLY LETTER with written instructions as it relates to me, the consumer, XXXX XXXX XXXX , pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act ( FCRA ), it has been established by Congress that your agency 's role to me, the principal, and consumer in fact, is to adopt reasonable procedures to uphold fairness, impartiality, and to ensure that my right to privacy is respected while maintaining maximum possible accuracy of the data reported. 

Recent Data Breach by XXXX I am writing to bring to your attention the recent data breach by XXXX XXXX XXXX XXXX XXXX ), a company that handles background checks, which exposed personal information, including Social Security numbers, names, and addresses of XXXX  of Americans. This breach, which occurred in XX/XX/year>, has compromised approximately XXXX XXXX records, including sensitive information that spans over 30 years. 

Violation of 15 U.S. Code 1681e et seq Under 15 U.S. Code 1681e, your agency may not procure or furnish a consumer report without adhering to the reasonable procedures established by 1681b ( a ) ( 2 ). There has been a violation of these procedures because, as shown in my attachments, inaccurate and unverifiable information has already been removed from another consumer reporting agency but remains in your system. This continued inclusion of such information constitutes a failure of your reasonable procedures for ensuring maximum possible accuracy, resulting in a conspiracy to deprive me of my rights under the Truth in Lending Act ( TILA ), subsection 1602 ( f ), to extend new credit.

Demand for Removal of Incorrect Information Under 15 U.S. Code 1681b ( e ) ( 6 ), consumer reporting agencies must establish joint systems to notify each other of incorrect or unverifiable information. Your failure to maintain this notification system has resulted in false and misleading reporting. 
Specific Violations and Demands Unauthorized Inquiries : The following inquiries were not authorized and should be deleted immediately : XXXX - XX/XX/year> 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 - XX/XX/year> Violations and Penalties : Violation of 15 U.S. Code 1681e : Failure to maintain reasonable procedures {$1000.00} Violation of 15 U.S. Code 1681b ( e ) ( 6 ) : Failure to maintain a notification system jointly with other consumer reporting agencies {$1000.00} Violation of 15 U.S. Code 1692e : False and misleading representation {$1000.00} Violation of 15 U.S. Code 1681i ( 5 ) ( A ) : Failure to delete inaccurate or unverifiable information {$1000.00} Total Amount Due : {$4000.00} Additional Measures Due to XXXX Breach Given the recent XXXX breach, I demand that you take immediate action to protect my personal information and ensure that no unauthorized access or misuse occurs. 

Monitoring my financial accounts closely for any unusual activity. 
Beware of phishing attempts, as cybercriminals may try to exploit the exposed data to trick me into providing more personal information. 

Legal Precedence and Compliance I am well aware of numerous case laws where consumer reporting agencies have failed to maintain reasonable procedures and were subject to legal action. Should you continue your willful noncompliance, I will not hesitate to seek legal action to enforce my rights and collect damages for your violations of federal law. 

Compliance and Response Requirements You have 30 days from the date of this letter to remove the inaccurate information and respond with written confirmation of the deletions. Failure to comply will result in immediate legal proceedings. 

This letter serves as a formal demand for compliance with federal consumer protection laws and XXXX XXXX guidelines. Your prompt attention to this matter is required to avoid further legal action. 

Sincerely, XXXX XXXX XXXX [ XXXX ] without prejudice, all-natural inalienable rights reserved.