Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for severe inaccuracies in my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The repercussions of these inaccuracies have been exacerbated by the XXXX Equifax data breach, which I believe directly contributed to identity theft and fraudulent activity in my name. Despite multiple attempts to resolve these issues directly with Equifax, the company has failed to correct these errors and continues to infringe upon my rights. 

XXXX XXXX XXXX XXXXXXXX - Secured Credit Card ( Account Number : XXXX  ) * Incorrect payment history and charge-off status, violating 15 USC 1681i ( failure to investigate and correct disputed information ).

* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to credit card billing error dispute handling. 
* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms. 

* XXXX XXXX XXXX- Auto Loan ( Account Number : XXXX ) * Inaccurate payment history and incorrect repossession status, violating 15 USC 1681i ( failure to investigate and correct disputed information ).

* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to billing error dispute handling, if applicable to this account type.

* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms. 

XXXX XXXX XXXX ( Account Number : XXXX ) * Incorrect charge-off status and balance, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* XXXX XXXX XXXX XXXX XXXX XXXX  ), account number XXXX : * Incorrectly reported as a collection account, violating 15 USC 1681i ( failure to investigate and correct disputed information ).

* Potential violations of 18 USC 1028A ( Identity Theft and Fraud ) and 15 USC 6802 ( Fair Credit Reporting Act ) related to the handling of the collection account. 

* XXXX XXXX XXXX Collection Account ( Account Number : XXXX and XXXX ) * Reported without validation or payment history. This disputed collection account has lowered my credit score and caused unnecessary stress and XXXX 
Potential FCRA Violations : * 1681s-2 ( b ) - Duty to Correct and Update Information * 1681i - Procedure in Case of Disputed Accuracy * XXXX ( a ) ( XXXX ) - Lack of complete inquiry information Additional Legal Citations : * 18 U.S. Code 1028 ( a ) * 15 U.S. Code 6802 * 15 U.S. Code 1692g * 15 U.S. Code 1681b, 1681a, 1681i, 1681a * 18 U.S. Code 894 * 18 U.S. Code 1692 * 15 U.S. Code 1601 * 15 U.S. Code 1681b * 15 U.S. Code 1666b * 15 U.S. Code 1681i, 1681a, 1681b, 1681c The XXXX Equifax data XXXX directly contributed to identity theft and fraudulent activity in my name, including specific examples of fraudulent activity, such as different names, addresses, unauthorized credit cards, loans, or tax filings. The inaccuracies on my credit report have further exacerbated the situation by making it difficult to dispute fraudulent accounts and restore my credit. 

I request that the Consumer Financial Protection Bureau investigate Equifax 's practices and take appropriate action to hold the company accountable for its violations of the FCRA and other consumer protection laws. I also request that Equifax be required to correct the inaccuracies on my credit report immediately, cease all communication with me at my current address, and provide comprehensive assistance in resolving the identity theft issues stemming from the data breach, including credit monitoring and fraud alerts. 
I have attached copies of identity theft reports, and any relevant documentation to support my identity. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX