Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to express my deep concerns regarding the continued violations of my consumer rights and credit reporting laws by Equifax, XXXX XXXX XXXX, and XXXX XXXX XXXX. Despite previous attempts to address these issues, it has come to my attention that Equifax continues to engage in practices that are in clear violation of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 

Specifically, I would like to draw your attention to the following violations : 1. Fair Credit Reporting Act ( 15 U.S. Code 1681a ) : It is illegal to report transaction history, which Equifax has been doing. I request immediate correction of this error.

2. Privacy Act of 1974 ( 15 U.S.C. 6801 - 16 CFR Part 313 ) : This act ensures the privacy and protection of consumer financial information. 

3. Opt-Out Rights ( 15 U.S.C. 6802-6805 ) : According to these provisions, I have the right to opt out of sharing my information with third parties. Despite previous notifications and requests, XXXX XXXX XXXX and XXXX XXXX XXXX have continued to share my information without my consent. 

I demand that Equifax takes the following actions : Correct the inaccurate reporting of my transaction history by marking all accounts as " paid as agreed '' as required by law. 

Failure to comply with these demands and rectify the violations mentioned above will result in further action on my part. I will not hesitate to report these ongoing violations to the relevant regulatory authorities, including the Mail Fraud, Internal Revenue Service ( IRS ), and the Securities and Exchange Commission ( SEC ), to ensure appropriate actions are taken. 

I trust that Equifax will treat this matter with the seriousness and urgency it deserves, considering the potential legal consequences for non-compliance. 

If my accounts are not updated as " paid as agreed, '' I request verification of the information provided by Equifax regarding my credit report. Specifically, I would like to know whom Equifax spoke to at XXXX XXXX XXXX and XXXX XXXX XXXX to verify the information. 

To ensure the accuracy of the information, I kindly request that you provide me with the following documents : the original contract signed by myself and the authorized person from the bank, terms and conditions, any 1099s submitted on my behalf, the representative 's name, title, date, time, and any recordings that validate the information provided by Equifax. 

Since compensation is allowed for violating my rights, I demand that Equifax, XXXX XXXX XXXX, and XXXX XXXX XXXX immediately correct these inaccuracies by marking all accounts as " paid as agreed. '' 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

Additionally, I expect compensation of {$1000.00} per inaccuracy, totaling {$60000.00}, for the damages caused by these violations, including the pain and suffering I have endured. 

Each company can mail the compensation check to the only address I receive mail at, which can be found in the attached documents along with my license used for identity verification by the notary. 

I hope that you will address these concerns promptly and take the necessary actions to rectify the violations.