Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Update of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally request an immediate update and correction of my credit profile maintained by Equifax. My Equifax credit report currently contains inaccuracies that have directly resulted in the denial of a credit line increase from XXXX XXXX, as well as the denial of a home mortgage pre-approval, severely impacting my financial well-being and ability to provide for my family. 
On XX/XX/year>, I called Equifax and spoke with an agent to explain that my credit report was not showing correctly. Despite my efforts to explain the inaccuracies, the agent did not provide any assistance. This lack of support and refusal to address the errors in my report are unacceptable and have further exacerbated the negative impact on my creditworthiness. 
According to the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to ensure that the information contained in my credit report is accurate and complete. The specific FCRA provisions relevant to my request include : 1. **Accuracy and Completeness** : Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. Failure to do so may result in civil liability for actual damages sustained by me, plus costs of the action together with reasonable attorney 's fees, as well as punitive damages if the failure is found to be willful.

2. **Dispute Process** : According to 15 U.S.C. 1681i ( a ) ( 1 ), upon receiving a dispute from a consumer regarding the accuracy of information in their file, Equifax must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information within 30 days of receiving the dispute. Violations of this section can result in fines up to {$1000.00} per violation, in addition to actual and punitive damages. 
3. **Notification of Correction** : Per 15 U.S.C. 1681i ( a ) ( 5 ), if any information is found to be inaccurate or incomplete or can not be verified, Equifax must promptly delete or modify that item of information and notify the furnisher of the information as well as other consumer reporting agencies to which the information was provided. Non-compliance with this requirement may also result in similar fines and damages as stated above. 
I believe my Equifax credit report contains errors that do not accurately reflect my credit history, as my XXXX and XXXX reports are correct and up-to-date. This discrepancy has caused unjustified harm to my creditworthiness and financial opportunities. 
I hereby request that Equifax : 1. Conduct an immediate reinvestigation of my credit report.

2. Correct any and all inaccuracies or incomplete information found during the reinvestigation.

3. Provide me with a corrected copy of my credit report once the reinvestigation is complete.

4. Notify all parties who have received my credit report in the past six months of these corrections as per 15 U.S.C. 1681i ( d ).

Additionally, I request written confirmation of your receipt of this dispute and a description of the steps you are taking to correct my credit report. If these inaccuracies are not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and enforcement of my rights under the FCRA. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate action to correct my credit report and mitigate the significant inconvenience and financial harm caused by these inaccuracies. 
Sincerely, XXXX XXXX