Consumer complaint received 2024-06-17
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. (FL)

EQ XX/XX/year> Re : Complaints # XXXX XX/XX/year> I filed a COMPLAINT reference above. Equifax has continued to treat my COMPLAINTS as Disputes. 

I have previously requested that Equifax investigate the inaccurate and incomplete information and they have failed to correct the errors or delete the accounts. 

Under the FCRA, Failure of consumer reporting agency to properly investigate or not making necessary corrections after an investigation constitutes a violation. 

Now is NOT the time to DISPUTE and UPDATE. 

Equifax sent me a notice dated XX/XX/year> AFTER I submitted my complaint # XXXX XX/XX/year> stating they could NOT move forward due to my identification info I submitted with my COMPLAINT and will NOT be disputing the accounts anymore. Again, XX/XX/year> was a COMPLAINT not dispute. 

I have included the notice they sent me and, my consumer file which lists my Identification information I used with my complaint. This is another attempt to negate my COMPLAINT. The accounts listed below have repeatedly been disputed and currently reporting as such. I have listed the accounts below. 

Re : XXXX XXXX # XXXX XXXX Account- the furnisher has responded in deletion of account. Equifax did not send ANY written notice OR account notification of the deletion any my score was NOT updated XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ). 

Equifax is in violation - 5 U.S. Code 1681i5 ( C ). They failed to maintain reasonable procedures designed to prevent the reappearance in my consumer file of information that is deleted. 

Re : XXXX XXXX # XXXX, # XXXX Equifax is in violation by continuing to report this repeated disputed account. According to Florida Statue of limitation- 4 years to pursue a debt. 

XXXX XXXX Upon disputing both XXXX Accounts with XXXX the accounts were deleted. I have included XXXX results that Equifax received. 

However, Equifax is in violation of 15 U.S. Code 1681i 5 ( a ) ( i ) by continuing reporting both accounts knowingly having knowledge of it been deleted and they claimed was verified. The account have continued to report on my consumer file despite receiving my direct dispute notice XXXX XXXX, XXXX 

Re : XXXX XXXX # XXXX - This account was reported to XXXX which they passed it along to Equifax as my the notification shows on my Equifax account. Equifax reported this account solely based off XXXX reporting There was never a proper investigation conducted.. Ive disputed this account and filed a complaint for the results XXXX XXXX. It was verified accurate. 

Equifax did NOT certify OR verify the information BEFORE selling my consumer file. 
A proper investigation was NOT conducted in a manner pursuant to 15 U.S. Code 1681i a ( 1 ) ( A ). 
Ive included relevant documents that will show NO investigation was conducted. 

You have violated my consumer rights willingly and knowingly. You have conspired with the furnishers in doing so. 

I am seeking counsel regards to remedy for EVERY Violation and length of time of the repeated violation with respect to 15 U.S. Code 1681i 5 ( a ) ( i ) and the following : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] YOU HAVE BEEN PUT IN NOTICE.

cc : CFPB Enforcement Dept cc : XXXX