Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Subject : Formal Complaint Against Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) and HIPAA Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding severe inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Health Insurance Portability and Accountability Act ( HIPAA ). I have previously lodged a complaint without satisfactory resolution. 

Details of Inaccuracies and Violations : XXXX XXXX XXXX XXXXXXXX - Secured Credit Card Account ( Account Number XXXX XXXX  ) : - FCRA Violation Code : 1681s-2 ( b ) - Duty to Correct and Update Information - Equifax is reporting inaccurate information regarding a closed account, causing significant hardship. I have requested an investigation and correction, which Equifax has failed to adequately address. 

Compensation Request : I request compensation of {$1000.00} per violation for the financial hardship caused by Equifax 's failure to comply with FCRA 1681s-2 ( b ). 

XXXXXXXX XXXX XXXXXXXX XXXX Auto Loan Account ( Account Number : XXXX ) : - FCRA Violation Code : 1681s-2 ( b ) - Duty to Correct and Update Information - Reported late payments and payment history inaccuracies violate my FCRA rights. Despite previous disputes, Equifax has not corrected these errors. 

Compensation Request : *I request compensation of {$1000.00} per violation for the financial hardship caused by Equifax 's failure to comply with FCRA 1681s-2 ( b ). 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX Account Number : XXXX ) : - FCRA Violation Code : 1681i - Procedure in Case of Disputed Accuracy - The account is erroneously marked as " Charge Off '' with a {$0.00} balance. I request an investigation and removal of negative impacts on my credit score. 

Compensation Request : I request compensation of {$1000.00} per violation for the financial hardship caused by Equifax 's failure to comply with FCRA 1681i. 

XXXX XXXX XXXX XXXX - Collection Account ( Account Number : XXXX ) : - FCRA Violation Code : 1681s-2 ( b ) - Duty to Correct and Update Information - Reported outstanding balance and lack of payment history demand validation. Equifax has not provided satisfactory evidence upon previous disputes. 

Compensation Request : I request compensation of {$1000.00} per violation for the financial hardship caused by Equifax 's failure to comply with FCRA 1681s-2 ( b ).

5. Address Discrepancies and XXXX Equifax Breach Impact : - Equifax is reporting incorrect address information and has failed to rectify the impact of the XXXX breach on my credit report. This breach has caused hardship and further inaccuracies. 

Compensation Request : I request compensation for the financial and emotional distress caused by Equifax 's mishandling of personal information and breach impacts. 

Additional Requests : I also request that Equifax be required to provide consumers with IRS Form 1099-C when debt has been written off, as required by law. 

Actions Requested : I insist on the immediate removal of all inaccurate information related to the aforementioned accounts, address discrepancies, and impacts from the 2017 Equifax breach. Equifax must also address the violations of my FCRA and HIPAA rights as outlined above.

I request a thorough investigation by the Consumer Financial Protection Bureau into these matters and prompt intervention to ensure Equifax complies with federal laws. I expect a written response detailing the actions taken to rectify these inaccuracies and violations. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX