Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I am filing this complaint regarding Equifaxs failure to comply with my dispute letter, dated XX/XX/XXXX, ( Dispute Identification : XXXX ), in which I requested the removal of inaccurate names, addresses, and employment information from my credit report. Despite the legal obligations set forth under the Fair Credit Reporting Act ( FCRA ), Equifax has not responded to my dispute or taken any action to address the inaccuracies. 

Summary of Disputed Items : Incorrect Names : XXXX XXXX XXXX I requested the removal of this name, as I have never used it. My correct legal name is XXXX XXXX XXXX. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Spring, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX These addresses are incorrect and have caused substantial damage. The only valid address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Inaccurate Employment Information : US Fed Benefits I have never been employed by this entity, and it has caused confusion regarding my financial history. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Ensure Maximum Accuracy ( FCRA Section 607 ( b ) ) : Equifax is obligated to ensure that consumer reports are accurate. By retaining these incorrect names, addresses, and employment information, Equifax has failed to meet this obligation, violating FCRA Section 607 ( b ).

Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : Equifax has not responded to my dispute, nor has it conducted a reasonable reinvestigation into the inaccuracies identified. This violates FCRA Section 611 ( a ), which mandates a 30-day reinvestigation period.

Failure to Notify Furnishers ( FCRA Section 611 ( a ) ( 2 ) ) : I explicitly requested that Equifax notify all furnishers of the disputed information within five business days, as required under FCRA Section 611 ( a ) ( 2 ). No confirmation of this notification has been provided.

Failure to Provide Documentation ( FCRA Section 609 ( a ) ) : I requested copies of all documents used in the reinvestigation and details of each step taken in the process. Equifax has not provided any of this documentation, violating FCRA Section 609 ( a ).

Impact : Equifaxs failure to correct the inaccuracies on my credit report has caused : Emotional distress : The unresolved issues have caused significant anxiety and emotional strain. 
Financial harm : These inaccuracies have negatively impacted my creditworthiness, resulting in denials for credit applications, higher interest rates, and difficulty securing necessary financial products. 
Requested Resolution : I request that the CFPB require Equifax to : Delete all inaccurate names, addresses, and employment information from my credit report. 
Provide a complete, detailed reinvestigation, including timestamps, the names of employees handling my case, and documentation showing how the information was verified. 
Ensure that all future correspondence be sent via certified mail with return receipt requested, as I explicitly stated that electronic responses would not be accepted.