Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Equifax XX/XX/XXXX I am XXXX to bring to your attention a serious concern regarding potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ) and 1681e ( b ). Upon thorough examination of my credit report, I have identified discrepancies that raise questions about the accuracy and compliance with the aforementioned statutes.

I have made multiple attempts from early May of this year and most recently XXXX in regards to inaccurate/incomplete accounts reporting on my credit report. I have received letters back stating the accounts have been verified as accurate. I dont believe they performed an investigation required by the FCRA because it will be impossible for the mismatched data points to be verified as accurate and they have violated my rights under the FCRA act. Please see the inaccurate reporting accounts below and I demand they be removed immediately. 
XXXX XXXX : The account numbers are partially redacted in the report. Balance : There's a discrepancy in the reported balances between XXXX {$1300.00}, XXXX {$1300.00} and Equifax {$1300.00}, Dates : The reported date opened differs across the XXXX bureaus XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax XXXX date last active is reported as XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX for Equifax. Equifax report collection account open with a past due balance XXXX. XXXX XXXX Account XXXX : The account numbers are partially redacted in the report. Inconsistent High credit reported {$300.00} XXXX and {$200.00} Equifax, XXXX XXXX. XXXX XXXX : XXXX reports a {$200.00} credit limit ; however, XXXX states a credit limit of {$0.00} and Equifax XXXX XXXX XXXX : XXXX XX/XX/XXXX, XXXX XXXX, Equifax XX/XX/XXXX. Date last active : XX/XX/XXXX XXXX, XXXX XXXX and Equifax XXXX XXXX History : No specific payment history data for the provided months and years is mentioned or available in the provided information is incomplete. 

XXXX OF XXXX XXXX XXXX : account numbers are partially redacted in the report. High credit reported varies : {$510.00} in XXXX, {$0.00} in XXXX, and {$300.00} in Equifax. Credit limits : {$300.00} consistently reported by XXXX and XXXX, while Equifax indicates {$0.00}. Date XXXX XXXX, XX/XX/XXXX XXXX, and Equifax XXXX XXXX Active varies XX/XX/XXXX on XXXX, XX/XX/XXXX XXXX on XXXX, and XX/XX/XXXX, on Equifax. Two-Year Payment History : The payment history is represented using codes like CO ( Charge-off ) and OK ( Okay ), indicating different statuses across different months and year incomplete and inaccurate XXXXXXXX XXXX XXXX Details : Account number partially redacted. High credit reported as {$960.00} on XXXX, {$920.00} on Equifax and XXXX on XXXX. Credit limit {$700.00} on XXXX, {$0.00} on Equifax and XXXX XXXX. 
Date XXXX : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Equifax. Date last active : XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX Equifax. Two-Year Payment History : Inaccurate and incomplete. 
Section 1681b ( a ) ( 2 ) of the FCRA mandates that a credit reporting agency may furnish a consumer report only to those with a permissible purpose. It appears that my credit information was disclosed to an entity without a permissible purpose, as outlined in this section. I DID NOT give written consent for any of this information to be on my report. Additionally, Section 1681e ( b ) requires reasonable procedures to ensure maximum possible accuracy of consumer reports. It seems that these procedures may not have been diligently followed in my case. 
I request that you conduct a comprehensive investigation into these matters and provide me with detailed information regarding the circumstances surrounding the unauthorized disclosure of my credit information and any potential lapses in ensuring the accuracy of my consumer report. This erroneous information has had adverse effects on my credit standing, causing denials and high interest rates for mortgage loans etc. I believe that your agency 's actions represent a clear violation of the FCRA, specifically Section 1681e ( b ) and Section 1681b ( a ) ( 2 ). According to the FCRA Section 1681n, individuals are entitled to seek damages for willful noncompliance with FCRA requirements. I am formally requesting compensation for the violation in the amount of {$1000.00} per violation, as permitted by the FCRA. 
Furthermore, I expect your agency to take prompt and appropriate corrective actions to delete all inaccuracies/incomplete accounts above. Please consider this letter as a formal dispute under the FCRA, and I trust that your agency will fulfill its statutory obligations to guarantee the accuracy and fairness of the information in my credit report. 
I anticipate your immediate attention to this matter and a timely response within the statutory period. 
Sincerely, XXXX XXXX