Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In late XX/XX/XXXX I contacted Equifax and XXXX to remove several inaccuracies from my consumer credit report. Both agencies removed Some of the inaccuracies but not all. Equifax removed a total of 10 inaccuracies ( non mailable addresses ) and XXXX removed a total of 23 inaccuracies ( non mailable addresses, name variations and phone numbers ). 

On XX/XX/XXXX I sent Equifax an invoice for {$9000.00} for being in violation of 15 USC 1681 and the Privacy Act of 1974, requesting payment for these violations under 15 USC 1681n. I am including a copy of that invoice in this complaint ; they are approaching 2 months beyond the Due Date of the invoice. The only correspondence to my invoice was a request for a copy of my Drivers License and Social Security Card. I sent them a copy of both my Drivers Licence and Social Security Card as requested along with another copy of the invoice. My complaint and demand for compensation has gone ignored. 

On XX/XX/XXXX I sent XXXX an invoice for {$23000.00} for being in violation of 15 USC 1681, violation of the Privacy Act of 1974, requesting payment for these violations under 15 USC 1681n. This invoice is past due as well by 29 days. The only correspondence to my invoice was a request for a copy of my Drivers License and Social Security Card. I sent them a copy of both my Drivers License and Social Security Card as requested along with another copy of the invoice. My complaint and demand for compensation has gone ignored with XXXX as well. 

Both Reporting Agencies are in Violation of 15 USC 1681 and have failed to comply and therefore is liable to pay damages Up to {$1000.00} Per Violation. 

1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


I am including copies of the deletions including my credit report before and after deletions as my Proof of Claim.