Consumer complaint received 2024-04-03
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)

To Whom It May Concern, This letter is to formally notify you that I intend to file a complaint with the FTC due to your clear and objectionable disregard for the law.

As evidenced by the attached copies of letters and mailing receipts, you have received and acknowledged receipt of my dispute letter dated [ date ], as well as my subsequent follow-up letter dated XX/XX/XXXX. However, you have failed to fulfill your legal obligations thus far. Your noncompliance with federal law is unacceptable, and your disregard for it is contemptible. Rest assured, I will hold you accountable.

Federal law requires you to respond within 30 days, but you have not done so. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am keeping a detailed record of my communications with you regarding this matter, with the intention of filing a complaint with the FTC if you continue to be non-compliant. I also want to remind you that, as stated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be held liable for willful noncompliance.

For the record, the following information is being inaccurately included on my credit report, as I have previously informed you more than XXXX  days ago and again XXXX  days ago : 1. I Was Never Late on this account XXXX  Account Number : XXXX 15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not you must delete these alleged lates payment from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Was Never Late on this account XXXX Account Number : XXXX  15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not you must delete these alleged lates payment from my credit report. 
18. FDCPA Section 807 violation misleading false reporting. 
XXXX XXXX XXXX Account Number : XXXX 15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not you must delete these alleged lates payment from my credit report.

If you do not promptly remove this incorrect and incomplete information, I will file a formal complaint with the Federal Trade Commission.

If you continue to operate in complete disregard for the law, I intend to pursue legal action to seek compensation for damages, costs, and attorney fees. I am meticulously documenting these events, including your failure to respond as REQUIRED by law.

Furthermore, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had XXXX  days to complete your reinvestigation, but you have not responded. Further delays are inexcusable.

Please be advised that I also request the description of the procedure used to determine the accuracy and completeness of the information, to be provided within XXXX  days of the completion of your reinvestigation. 
Sincerely, XXXX XXXX