Consumer complaint received 2024-03-31
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. (NY)

I am writing to express my deep concern regarding the inaccurate and inconsistent reporting by XXXX XXXX Account Number : XXXX to the credit bureaus, specifically Equifax and XXXX. Despite my diligent efforts to rectify this matter, I have received no resolution. 

On two separate occasions, I have disputed the erroneous information with XXXX XXXX Providing Evidence of the inaccuracies. Regrettably, these disputes have yielded no results, leaving me frustrated and increasingly concerned about the impact on my creditworthiness. 

In addiction to disputing the reported information, I have repeatedly requested the original contract with the original creditor from XXXX XXXX  and that demand still stands. As a consumer, I am entitled to verification of debts under the Fair Credit Reporting Act ( FCRA ). However, my requests for this essential documentation have been ignored or denied by XXXX XXXX and the Credit Bureaus. 

Given the gravity of this situation and the failure to provide accurate information and documentation, I am left with no choice but to demand a escalation for this matter for a thorough investigation. I expect that the investigative body will provide the necessary proof and results I am demanding, in accordance with the FCRA and other applicable consumer protection laws. Failure to provide me with proof should result in removal of this account from my credit report. 

I urge XXXX XXXX to take immediate action to address these issues and to cooperate fully with the investigative process. Failure to do so will leave me with no option but to pursue further legal remedies to protect my rights as a consumer. 

Please provide a response to this matter on XXXX only within 30 days, confirming receipt and outlining the steps XXXX XXXX will take to resolve this matter. Additionally, I request that all future communication regarding this issue be conducted on XXXX for clarity and documentation purposes. 

I also would like the investigation to correct any and all inaccuracies that have been reported on my consumer report WITHOUT proof. 

Accuracy of information ( 1681e ) ; Debt collectors must ensure the accuracy of the information they report to credit bureaus. This sections REQUIRES them to have reasonable procedures in place to ensure the ACCURACY of the information they furnish to consumer reporting agencies.

Investigation of Disputed Information ( 1681i ) : If a consumer disputes the accuracy of information on their credit report, debt collectors are required to conduct a reasonable investigation into the matter. They must correct, delete, or verify the accuracy of the disputed information with a reasonable period.

Disclosure of Information to Consumers ( 1681g ) ; Debt collectors must PROVIDE consumers with certain disclosures, including the right to obtain a copy of their credit report and the right to dispute inaccurate information. They must also inform consumers if adverse actions are taken based on information in their credit report. 

Thank you for your prompt attention to this matter.