Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I am writing to formally dispute the information being reported by XXXX XXXX XXXX  on my Equifax credit report. This account was previously removed from my report but has been reinserted without proper notice or verification, in violation of the Fair Credit Reporting Act ( FCRA ). The continued presence of this inaccurate information is causing significant damage to my creditworthiness. 




Account Details and Violations : 1. **FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information : ** XXXX XXXX reporting a balance that exceeds the credit limit by 117 %, inaccurately inflating my debt and misleading potential creditors. 

2. **FDCPA 808 Use of Unfair or Unconscionable Means : ** Reporting excessive balances and multiple delinquencies over the past years without rectification constitutes unfair practices under FDCPA. 

3. **FCRA 605 ( a ) Reporting of Obsolete Information : ** This account has been marked as a charge-off since early XXXX, and outdated delinquencies continue to be reported without appropriate updates or corrections. 

4. **FCRA 611 ( a ) Failure to Conduct a Proper Reinvestigation : ** Despite multiple disputes, Equifax has failed to conduct thorough investigations, simply re-verifying the same inaccurate data without proper evidence. 

5. **FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of Previously Deleted Information Without Notice : ** According to the FCRA , once information has been removed from a credit report as a result of a dispute, the credit bureau is required to provide written notice within five business days if they plan to reinsert it. The reinsertion of this account was done without the required notification, violating this provision of the FCRA. 

6. **XXXX  v. CSC Credit Services , 29 F.3d 280 ( 7th Cir. XXXX ) : ** In the case of *XXXX  v. CSC Credit Services* , the court held that credit reporting agencies must adhere to reasonable procedures to ensure the accuracy of credit reports. This precedent further supports that the reinsertion of inaccurate information without proper verification and notification is a breach of these procedures. 

7. **FDCPA 807 ( 2 ) ( A ) False Representation of the Character, Amount, or Legal Status of Debt : ** The reported balance misrepresents the true status of the account and inflates my financial obligations unlawfully. 

Requested Actions : Immediate deletion of all inaccurate, unverifiable, and outdated information associated with the aforementioned accounts. 
A full investigation into the compliance failures of all involved debt collectors and credit agencies, with immediate cessation of unlawful reporting practices. 
A detailed response outlining the corrective actions taken, including measures to ensure compliance with federal laws in the future. 
Written confirmation of all actions completed within 30 days to avoid further legal consequences. 

Cease and Desist Notice : This letter serves as a formal cease and desist directive. All involved entities are required to stop any further reporting, communication, or actions that continue to misrepresent my credit information. Failure to comply will result in legal action to enforce consumer protection laws and seek redress for the ongoing harm caused.