Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Formal Complaint Against XXXX for Multiple Violations of FCPA, FCRA, TILA, and UCC Codes Dear CPFB, I am writing to formally lodge a complaint against EQUIFAX credit reporting bureau for numerous violations of federal consumer protection laws, including the Fair Credit Practices Act ( FCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Uniform Commercial Code ( UCC ) codes. These violations encompass unauthorized communications, defamation of character, unlawful selling of debts, failure to properly investigate disputed information, neglectful compliance, inaccurate reporting of personal information, and willful negligence. 

Equifax 's actions have inflicted substantial harm to my financial stability and personal reputation. The violations outlined below illustrate a pattern of disregard for my rights as a consumer and a blatant failure to adhere to federal regulations : Unauthorized Use of UCC Codes : Equifax has persistently contacted my work phone and personal cell phone numbers using UCC codes, contravening UCC regulations that prohibit such communications without prior consent. This persistent infringement has caused undue distress and inconvenience, constituting a clear violation of the FCRA.

Defamation of Character : Equifax has disseminated inaccurate and unsubstantiated information regarding my credit history, resulting in defamation of character and financial detriment. The FCRA mandates that credit bureaus furnish precise and current information about consumers ' credit histories. However, XXXX 's negligent reporting has inflicted harm upon my reputation and financial standing. 

Unlawful Selling of Debts : Equifax has engaged in the unlawful selling of debts without adequate verification or authorization, thereby transgressing both the FCPA and TILA. This unlawful practice has exacerbated financial hardships and legal ramifications.

Failure to Properly Investigate Disputed Information : Despite numerous attempts to dispute inaccurate information on my credit report, Equifax has failed to conduct thorough investigations and has instead resorted to unlawful stall tactics. This systematic failure to comply with the FCRA has denied me the opportunity to rectify inaccurate information and safeguard my consumer rights. 

Inaccurate Reporting of Personal Information : Equifax has inaccurately reported my social security number, name, and address, despite being provided with proof of correct information. This violation of UCC codes and the failure to ensure the accuracy of personal information further underscores Equifax 's willful negligence and disregard for federal consumer protection laws. 

In light of these severe violations, I hereby demand the following actions : Immediate removal and permanent deletion of all harmful credit accounts and inaccurate information from my credit report within 10 days. 
Monetary relief totaling {$17000.00} for the 17 violations, at {$1000.00} per violation, to compensate for the damages incurred as a result of Equifax 's flagrant violations of federal consumer protection laws. 
A comprehensive investigation by the Consumer Financial Protection Bureau into Equifax 's practices, with decisive enforcement actions implemented to ensure compliance with federal law. 
Prompt notification of the actions taken by the CFPB and confirmation of the removal of inaccurate information from my credit report. 
Failure to comply with these demands within the specified timeframe will necessitate further legal recourse, including but not limited to the involvement of the North Carolina Attorney General 's office. 

The accounts in question are as follows : 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  I urge the Consumer Financial Protection Bureau to take swift and decisive action to rectify these egregious violations and uphold the rights of consumers. 

Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX