Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Subject : XXXX XXXX XXXX Equifax for FCRA Violations and Inaccurate Credit Reporting Accounts : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX. 

To : Consumer Financial Protection Bureau ( CFPB ) Complaint : I am writing to formally lodge a complaint against Equifax for numerous violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection regulations. Equifax has consistently reported inaccurate and duplicate negative accounts on my credit report. Despite multiple disputes and submissions of required documentation to verify my identity, Equifax has failed to validate or delete the inaccurate information. Specifically, Equifax is violating the following laws and provisions : Accuracy and Fairness - 1681e ( b ) : Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in reporting information. By reporting the same negative accounts multiple times, they are failing to maintain accurate and fair records. 

Dispute Resolution - 1681i : Upon dispute, Equifax is mandated to investigate within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Despite my numerous disputes, the incorrect information remains on my report, indicating a failure to comply with this requirement. 

Consumer Rights to Access Information - 1681g : As a consumer, I have the right to access my credit information. Equifax 's website frequently displays technical errors that prevent me from accessing my credit report, thereby violating my rights under this section. 

Reinvestigation and Correction - 1681i ( a ) : Equifax is obligated to conduct a reasonable reinvestigation when a dispute is raised. My disputes regarding the inaccurate and duplicate information have not led to any correction or deletion, showing a clear disregard for this provision. 

Identity Verification and Record Updates : Equifax has repeatedly requested that I submit documentation to verify my identity, which I have done multiple times. Despite this, they have failed to update their records accordingly, reflecting a failure in their procedures for handling identity verification and record maintenance. 

Additionally, Equifax 's customer service has been unhelpful and unable to resolve these issues, further compounding the problem. 

I urge the CFPB to investigate these ongoing issues with Equifax and take appropriate action to ensure compliance with all relevant laws and regulations. I appreciate your attention to this matter and look forward to a prompt resolution. 

I am attaching documents like the Equifax Credit Report, and Equifax Customer Care reply as proof. 

Because of this, it is affecting my creditworthiness and causing me problems : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to seek damages if credit reporting agencies fail to comply with the law : Civil Liability for Willful Noncompliance - 1681n : " Under Civil Liability for Willful Noncompliance - 1681n of the FCRA, if Equifax willfully fails to comply with the FCRA, I am entitled to recover actual damages or statutory damages ranging from {$100.00} to {$1000.00}, punitive damages as determined by the court, and the costs of the action together with reasonable attorneys fees. '' XXXX XXXX for Negligent Noncompliance - 1681o : " Under Civil Liability for Negligent Noncompliance - 1681o of the FCRA, if Equifax negligently fails to comply with the FCRA, I am entitled to recover actual damages and the costs of the action together with reasonable attorneys fees. ''