Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, I A XXXX Subject : Formal Dispute of Inaccurate Credit Report Information and Federal Violations Dear CFPB Representative, I am writing to formally dispute multiple inaccuracies on my credit report and to highlight several federal violations. Enclosed with this letter are copies of my drivers license and Social Security card for identity verification purposes, along with a detailed cover letter outlining each disputed account and the supporting evidence. The inaccuracies on my credit report have caused significant distress and inconvenience, and I seek immediate rectification in accordance with the relevant federal laws. Below, I outline the specific violations under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) that pertain to my case : XXXX XXXX XXXX  Violations Under the Fair Credit Reporting Act ( FCRA ) : 1. **Inaccurate Information ( Section 1681c ) : ** - My credit report contains multiple accounts with inaccurate information, which remain unaddressed despite my previous attempts to correct these errors directly with the credit reporting agencies. 
2. **Failure to Conduct a Reasonable Investigation ( Section 1681i ) : ** - The credit reporting agencies have failed to conduct a reasonable investigation within the 30-day period mandated by the FCRA upon disputing these inaccuracies.

3. **Failure to Notify Furnishers of Dispute ( Section 1681i ( a ) ( 2 ) ) : ** - The credit reporting agencies did not notify the furnishers of the disputed information, violating the requirement to forward all relevant information regarding the dispute to the information provider.

4. **Reinsertion of Previously Deleted Information ( Section 1681i ( a ) ( 5 ) ( B ) ) : ** - Information previously deleted from my credit report due to inaccuracies has been reinserted without proper notification, in violation of the FCRA . # # # Violations Under the Consumer Financial Protection Act ( CFPA ) : 1. **Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ( Section 1031 ) : ** - The continued presence of inaccurate information on my credit report constitutes an unfair and deceptive practice, causing financial harm and emotional distress. 

XXXX. **Failure to Correct Inaccurate Information ( Section 1036 ) : ** - Despite clear evidence and documentation provided to both the credit reporting agencies and the information furnishers, there has been a failure to correct the inaccurate information, violating the XXXX mandate for accuracy and fairness. # # # Disputed Accounts : XXXX. **Account Name : ** XXXX XXXX XXXX XXXX XXXX Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX **Account Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$1300.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX XXXX Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$1400.00} XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$280.00} XXXX. **Account Name : ** XXXX XXXX  XXXX Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX XXXX **Account Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX **Account Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX  **Account Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX. **Account Name : ** XXXX XXXX XXXX Number : ** XXXX XXXX Opened : ** XX/XX/XXXX **Balance : ** {$0.00} XXXX **Account Name : XXXX **Account Number : XXXX **Date opened XXXX XX/XX/XXXX ** Balance : {$0.00} XXXX. **Account Name : DEPT OF EDUCATIONXXXX XXXX Number XXXX XXXX opened : XXXX Balance : {$3700.00} XXXX **Account Name : DEPT OF EDUCATION/XXXX**Account Number : XXXX **Date opened : XXXX Balance : {$1600.00} XXXX **Account Name : DEPT OF EDUCATION/XXXX**Account Number : XXXX opened : XXXX Balance : {$1200.00} XXXX. XXXX XXXX : XXXX XXXX XXXX  XXXX Number : XXXX XXXX opened : XXXX XXXX : {$0.00} XXXX. **Account Name : XXXX  XXXX XXXX XXXX : XXXX opened : XXXX Balance : {$1700.00} XXXX. **Account Name : XXXX XXXX XXXX**Account Number : XXXX **Date opened : XXXX Balance : {$170.00} XXXX XXXX XXXX Requested Actions : In light of the above violations, I request the following actions be taken promptly : XXXX. **Immediate Removal of Inaccurate Information : ** - Remove all inaccurate accounts and information from my credit report. 2. **Conduct a Thorough Investigation : ** - Ensure that a thorough and reasonable investigation is conducted, adhering to the 30-day period as required by law. 3. **Provide Written Confirmation : ** - Provide written confirmation of the actions taken to rectify the inaccuracies and ensure that my credit report is accurate and up-to-date. 4. **Notify All Relevant Parties : ** - Notify all relevant furnishers of the disputed information and the outcome of the investigation. Enclosed are copies of my drivers license, Social Security card, and a detailed cover letter outlining each disputed account and the supporting evidence. I trust that the CFPB will address these issues with the seriousness they deserve and take appropriate action to enforce compliance with federal laws. Thank you for your prompt attention to this matter. I look forward to your swift resolution of these issues. Sincerely, [ XXXX XXXX ] -- - Enclosures : - Copy of Drivers License - Copy of Social Security Card - Detailed Cover Letter and Supporting Evidence