Consumer complaint received 2024-07-04
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)

I demand the immediate and permanent removal of inaccurate and unlawful collection transactions/experiences from my consumer report on the basis of the illegal reporting practices of XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX The aforementioned entities have repeatedly violated my consumer rights under numerous federal and state laws. I demand strict enforcement of my rights and the immediate cessation of these unlawful practices. 

Violations by XXXX, Equifax, and XXXX of 15 U.S.C. 1681i - Failure to Properly Reinvestigate Disputed transactions/experiences : The consumer reporting agencies ( CRAs ) have failed to conduct a proper reinvestigation of disputed transactions/experiences as required by law. A mere verification through a computerized system does not meet the statutory requirements for a reasonable investigation.

The CRAs have failed to provide me with the procedures used to determine the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Violation of 15 U.S.C. 1681c-2 - Blocking of Information Resulting from Identity Theft : and as A VICTIM of the Equifax data breach, my personal information was compromised, which should have triggered heightened scrutiny and blocking of disputed information under this statute.

Violation of 15 U.S.C. 1681s-2 ( b ) - Duties of Furnishers of Information : The furnishers, XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX have failed to provide original contracts or signed agreements to validate the debts, thus failing to meet their obligations under this law.

Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Reinserted Information Must Be Notified : and XXXX has repeatedly removed and then re-added the XXXX XXXX XXXX transactions/experiences without notifying me within XXXX business days as required by law. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
Violations by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Violation of 15 U.S.C. 1692g - Validation of Debts : Despite multiple requests via certified mail and through the CFPB website, neither company has provided sufficient validation of the debts. A bill is not proof of ownership. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) - False Representation : XXXX XXXX XXXX falsely claimed to be licensed in Florida, contrary to information on the NMLS Consumer Access website. This false representation is a clear violation of 15 U.S.C. 1692e.

Unauthorized Disclosure of Medical Information : Both companies have failed to provide evidence of my consent to share medical information, violating my rights under HIPAA.

Reporting Practices are in Violation of 15 U.S.C. 1666b - Prohibition on Reporting Open and Closed Accounts with Past Due Balances : The CRAs and furnishers are unlawfully reporting collection transactions/experiences with open and closed statuses and past due balances, which is misleading and detrimental to my creditworthiness.

Violation of 15 U.S.C. 1681s-2 ( a ) ( 2 ) - Duty to Correct and Update Information : Continuously reporting late payments and collections on a monthly basis creates the false impression that the derogatory information is newly placed, further damaging my credit score.

I Demand for Immediate Action Given the extensive violations of federal laws, I demand the immediate and permanent removal of the collection transactions/experiences reported by XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX consumer reports with XXXX, Equifax, and XXXX. Failure to comply will result in further legal action, including but not limited to, filing complaints with the Federal Trade Commission ( FTC ) and pursuing litigation to enforce my rights under the FCRA and FDCPA. 

I expect a response within 30 days from the date of this letter. Continued non-compliance will not be tolerated, and I am prepared to take all necessary legal steps to ensure my rights are protected.