Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MICHIGAN [ XXXX ] Last 4 of Social : XXXX XXXX, Equifax, XXXX RE : Request to comply with reporting accurate and consistent information by the CRA 's XXXX Reinsertion without 5 days ' notice. 

Notice to AGENT is notice to Principal. Notice to Principal is notice to AGENT XX/XX/XXXX XXXX, Equifax, XXXX Subject : Credit Report Dispute - Account Charge Offs and Reporting as Income Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report, specifically regarding the charge off accounts listed. I believe that these accounts are being reported incorrectly and in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). All XXXX credit agency is reporting differently on the listed accounts. 

Account Information : XXXX. Account Name : DEPT OF ED / XXXX Account Number ( s ) : XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX >Charge-off< XXXX. Account Name : XXXXXXXX XXXX XXXX  - Account Number : XXXX >Charge-off< XXXX. Account Name : XXXX XXXX  - Account Number : XXXX >Charge-off< XXXX. Account Name : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXSold ; was Charged-off< XXXX. Account Name : XXXX - Account Number : >Charge-off< XXXX. Account Name : XXXX/XXXX  - Account Number : XXXX >Charge-off< >Sold ; was Charged-off< XXXX. Account Name : XXXX XXXX Account Number : XXXX >Charge-off< I request that you investigate the following violations : XXXX. Violation of the FDCPA - Reporting as Income : The original creditor has reported these charge off accounts as income, which is a violation of the FDCPA. Section 807 ( 2 ) ( A ) of the FDCPA states that a debt collector ( which includes the original creditor ) can not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Reporting these charge off accounts as income misrepresents the nature of the debt and is misleading to potential lenders and creditors. This violates the FDCPA 's prohibition on false or misleading representations. 

XXXX. Violation of the FCRA - Accuracy and Verification : I have reason to believe that these charge off accounts have not been accurately verified by the credit bureau as required by the FCRA. Section 611 ( a ) ( 1 ) ( A ) of the FCRA states that credit bureaus are required to conduct a reasonable investigation into the accuracy of disputed information. If the information is found to be inaccurate or can not be verified, it must be promptly corrected or removed from the credit report. I request that you provide the necessary verification for these charge off accounts. Failure to conduct a thorough investigation and provide accurate verification would be a violation of the FCRA. 

XXXX. Violation of the FCRA - XXXX XXXX : The credit bureau has failed to report these charge off accounts within the required time frame as outlined in the FCRA. Section XXXX ( a ) ( XXXX ) of the FCRA states that negative information such as charge offs must be removed from the credit report after a certain period of time. Failure to remove these accounts within the specified time frame would be a violation of the FCRA. I request that you review the reporting dates of these accounts and take appropriate action to ensure compliance with the FCRA. 

This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. A. The following accounts are Fraudulent. The following accounts are also in violation of my right to privacy. 

I kindly request that you investigate these violations and take the necessary steps to correct or remove the inaccurate information from my credit report. Additionally, I request that you provide me with a written response detailing the results of your investigation and any actions taken. 


Enclosed with this letter are copies of supporting documents, including screenshots, correspondence, and any other relevant evidence. Please consider this information during your investigation. 

Thank you for your attention to this matter. I look forward to receiving a prompt response. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX