Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

HI MY NAME IS XXXX XXXX XXXX ATTENTION Equifax Customer Service YOU ARE IN Violation of the Fair Credit Reporting Act ( FCRA ) and Improper Rescission of Credit Block I am writing to express my profound dissatisfaction with Equifaxs you report false accounts without notifying me I recent decision to rescind the block on fraudulent information in my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2. I have previously provided Equifax with all necessary documentation proving that the disputed accounts were a result of identity theft. As such, these accounts should have been permanently blocked from my credit report. By rescinding this block, Equifax is not only in non-compliance with federal law but also causing significant harm to my financial reputation and well-being. According to 15 USC 1681c-2, the " Significance of Block '' states : " For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' Equifaxs rescission of the block implies a failure to adhere to this legal mandate, as I have no knowledge of these accounts, my credit went from a XXXX credit score to a XXXX recently which are unequivocally the result of identity theft. By allowing these fraudulent accounts to reappear on my credit report, Equifax is violating my rights under the FCRA. Furthermore, I would like to remind Equifax of the civil penalties associated with such willful noncompliance under 15 U.S. Code 1681n : " ( a ) In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. '' Equifax is now on notice that I intend to pursue all available legal remedies should this matter not be rectified immediately. I demand that Equifax : 1. Reapply the block on the fraudulent accounts listed below. 2. Provide a written confirmation that the block has been reinstated. 3. Ensure no further unauthorized rescission of this block. List of Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with these demands will leave me no choice but to escalate this matter to the appropriate regulatory bodies and seek damages through litigation for willful noncompliance. I expect an immediate resolution to this issue and look forward to your prompt response confirming the actions taken. I have again attached the required documentation as stated in Section 605B of the FCRA. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE THIS FRAUD ADRESS OFF MY REPORT ALSO XXXX XXXX XXXX XXXX XXXX IVE NEVER HAD A XXXX XXXX BEFORE I LIVE IN XXXX  NOR HAVE I LIVED HERE PLEASE CORRECT THESE ERRORS ON MY CREDIT REPORT AND MAIL ME A UPDATED COPY OF MY REPORT THANK YOU