Consumer complaint received 2024-09-03
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Subject : Complaint Regarding Persistent Inaccuracies in XXXX  XXXX XXXX Account Reporting by XXXX, XXXX, and Equifax Dear CFPB Representative, I am writing to lodge a formal complaint against XXXX, XXXX, and Equifax regarding the persistent and incorrect reporting of my XXXX  XXXX XXXX account. Despite previous disputes filed directly with the credit bureaus and the CFPB, the inaccuracies remain unresolved, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Information : XXXX  XXXX XXXX XXXX Account # : **** o High Balance : {$3700.00} ( XXXX, Equifax ) o Balance Owed : {$0.00} o Date of Last Activity : XX/XX/XXXX ( XXXX, XXXX ) o Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) o Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) o Closed Date : XX/XX/XXXX ( XXXX ) o Account Rating : Paid ( XXXX, XXXX ), Derogatory ( Equifax ) o Dispute Status : Account not disputed ( XXXX, XXXX ), Account disputed ( Equifax ) o Account Description : Bank Credit Cards o Account Status : Closed o Payment Status : Collection/Chargeoff o Creditor Remarks : Payment after charge off/collection ( XXXX ), Unpaid balance reported as a loss by credit grantor ( XXXX ), Consumer disputes- reinvestigation in progress ( Equifax ) o Credit Limit : {$3200.00} Legal Grounds : Pursuant to FCRA regulations, I demand that the information on my credit reports be accurate, complete, and compliant with the law. It is my lawful right under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, to have any and all inaccuracies or unverifiable information promptly removed or corrected by the credit bureaus. 
To begin, I insist that the credit bureaus sustain only true, correct, complete, and mandated reported details. Any deviation from this standard is unacceptable and must be rectified immediately. I do not authorize any misreporting of misinformation now or ever. The credit bureaus must review and ensure their full compliance with the laws governing the reporting of consumer credit profiles. 



Specifically, I have the following grievances : 1. Inaccurate Reporting of Personal Information : o I do not have any other names, aliases, addresses, SSNs, dates of birth, telephone numbers, employers, or co-applicants that should be retained or reported. Any such information must be removed immediately unless you can produce proof of legitimate authority to retain or report it without infringing upon my consumer rights. 
2. Discrepancies in Account Reporting : o XXXX, XXXX, and Equifax are reporting different information regarding the same account, leading to confusion and potential harm to my credit standing. 
o Specifically, Equifax lists the account as " Derogatory '' with ongoing disputes, while XXXX and XXXX report it as " Paid '' without disputes, indicating a lack of consistency and accuracy. 
Prior Disputes : This issue has been previously disputed twice with both the CFPB and the credit bureaus, yet the inaccuracies remain. This ongoing failure to correct the information is a direct violation of my rights under the FCRA. 

Requested Resolution : I request that the CFPB take immediate action to enforce compliance with FCRA requirements. Specifically, I demand : 1. The immediate deletion or accurate correction of my XXXX  XXXX XXXX account information across all credit bureaus. 
2. A thorough investigation into why my previous disputes have not been adequately resolved. 
3. Written confirmation from XXXX, XXXX, and Equifax that the inaccuracies have been corrected or removed. 

Please find attached the relevant documentation, including my previous dispute letters, responses from the credit bureaus, and copies of my current credit reports showing the discrepancies. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure that my rights as a consumer are upheld and that this issue is resolved promptly. 

Sincerely, XXXX XXXX XXXX XXXX