Consumer complaint received 2023-10-30
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. (AL)

Subject : Dispute of Accounts on Credit Report - Violations of 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ) Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention some concerns I have regarding the accounts listed on my credit report, as well as potential violations of several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I believe that the following sections have been violated : 15 USC 1681eb, 15 USC 1692e ( 3 ), 15 USC 1681S-2 ( a ), 15 USC 1692b ( 5 ), and 15 USC 1692 ( 2 ) ( A ).

Firstly, I would like to address 15 USC 1681eb, which requires you to maintain reasonable procedures to ensure the accuracy of the information contained in my credit report. Upon reviewing my credit report, I have identified several accounts that appear to contain inaccuracies, including [ Credit Subs DBA Grow Credit, First Primer ]. 

Furthermore, I believe that Equifax may have violated 15 USC 1692e ( 3 ) of the FDCPA, which prohibits the false representation or implication that a debt is owed.

In addition, I have concerns regarding 15 USC 1681S-2 ( a ), which establishes requirements for the proper investigation of consumer disputes. I previously submitted a dispute regarding the aforementioned accounts, but I have not received a satisfactory response or resolution. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with a detailed response within the legally mandated timeframe.

Moreover, I would like to draw your attention to 15 USC 1692b ( 5 ) of the FDCPA, which stipulates that a debt collector can not communicate credit information that is known or should be known to be false. If any of the disputed accounts are being reported by debt collectors, I request that you ensure the accuracy of the information they have provided and take appropriate action to rectify any discrepancies.

Lastly, I suspect that Equifax may have violated 15 USC 1692 ( 2 ) ( A ) of the FDCPA, which prohibits the false representation of the character, amount, or legal status of any debt. I urge you to thoroughly review the information reported on my credit report to ensure its accuracy and compliance with this provision. 

I kindly request that you promptly initiate an investigation into my concerns and provide me with a written response detailing the actions taken to address these matters. Additionally, I request that you correct any inaccuracies found during the investigation and update my credit report accordingly. Please be aware that failure to comply with the FCRA and FDCPA may result in legal consequences.

I would like these accounts be removed off my credit report immediately Thank you for your attention to this matter. I trust that XXXX will handle this dispute and potential violations with the urgency and seriousness they deserve. I look forward to a prompt resolution of these issues. 

Sincerely,