Consumer complaint received 2024-09-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Credit Accounts- Violation of Fair Credit Reporting Act Dear Sir or Madam, I am writing to formally request a reinvestigation of the following accounts listed on my credit report. These accounts have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and have infringed upon my right to privacy and confidentiality as outlined under 15 U.S.C. 1681b ( 2 ). 
The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : # XXXX High Balance Discrepancy : XXXX shows {$0.00} while XXXX and Equifax report {$3100.00}. Date of Last Activity Discrepancy : Varies significantly between bureaus. Date Reported Error : Equifax reports an incorrect future date. Payment Status Discrepancy : XXXX shows " Unknown, '' whereas the others show " Chargeoff. '' Late Payments : Equifax reports late payments not shown by other bureaus. 


2. Account Name : XXXXXXXX XXXX  XXXX Account Number : # XXXX High Balance Discrepancy : XXXX shows {$0.00}, while XXXX and Equifax report {$700.00}. 
Date of Last Activity Discrepancy : Dates vary significantly between bureaus. 
Date Reported Error : Equifax reports an incorrect future date. Account Rating Discrepancy : Equifax shows the account as derogatory, while the other bureaus report it as paid. Late Payments : Equifax reports significantly more late payments than the other bureaus. 

3. Account Name : XXXX Account Number : # XXXX High Balance Discrepancy : XXXX shows {$0.00}, while XXXX and Equifax report {$2600.00} and {$2100.00}, respectively. Date of Last Activity Discrepancy : Dates vary significantly between bureaus. Date Reported Error : Equifax reports an incorrect future date. Account Rating Discrepancy : Equifax shows the account as derogatory, while the other bureaus report it as paid. Late Payments : XXXX reports late payments, whereas XXXX and Equifax report none. 



4. Account Name : XXXX  XXXX Account Number : # XXXX High Balance Discrepancy : XXXX shows {$0.00}, while XXXX and Equifax report {$3400.00}. Date of Last Activity Discrepancy : Dates vary significantly between bureaus. Date Reported Error : Both XXXX and Equifax report incorrect future dates. Dispute Status Discrepancy : Equifax does not reflect the resolved dispute, unlike XXXX and XXXX. Late Payments : XXXX and Equifax report late payments, whereas XXXX reports none. 
According to 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy, which has been compromised by the reporting of these accounts. Furthermore, 15 U.S.C. 1681b states that a consumer reporting agency can not furnish any account information without my explicit written instructions, which were not provided for the accounts listed above.

Additionally, as per 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include any adverse item of information, other than records of convictions of crimes, that predates the report by more than seven years. This stipulation has been ignored in the reporting of these accounts, causing significant harm to my credit profile.

Moreover, 15 U.S.C. 1681s-2 ( a ) ( 1 ) mandates that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Despite notifying the concerned parties of the inaccuracies in these accounts, the erroneous information continues to be reported, in violation of 15 U.S.C. 1681s-2 ( b ).

Given these violations, I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to : 1. Reinvestigate the accounts listed above in accordance with the Fair Credit Reporting Act. 
2. Ensure that any inaccurate, incomplete, or unverifiable information is corrected or deleted.

3. Provide me with a copy of the updated credit report reflecting these corrections. 
Please be advised that failure to comply with the FCRA could result in further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX