Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau, I hope this communication finds you well. I am writing to formally lodge a complaint concerning the egregious and persistent violations of consumer protection laws, Metro 2 reporting system, and the Fair Credit Reporting Act ( FCRA ) by Equifax, XXXX, and XXXX, which have detrimentally impacted my consumer report. 

Background : In the wake of the Equifax data breach, I have been engaged in a protracted effort to rectify the deleterious consequences of identity theft and inaccurate credit reporting stemming from the aforementioned breach. This breach has affected my entire consumer report across all major credit bureaus Equifax, XXXX, and XXXX. Importantly, I wish to emphasize that the inquiries and collections listed are not mine ; they have been added fraudulently. 

Violations and Relevant FCRA Sections : Non-Compliance with FCRA Section 1681e - Accuracy and Completeness of Consumer Reports : Equifax, XXXX, and XXXX 's persistent failure to expeditiously delete unauthorized items and inquiries, despite repeated and duly submitted disputes, contravenes FCRA Section 1681e, which prohibits knowingly reporting inaccurate information. 

Potential Fine Amounts : FCRA Violation ( 15 USC 1681n ) : Up to {$1000.00} per violation FDCPA Violation ( 15 USC 1681o ) : Up to {$1000.00} per violation Non-Compliance with FCRA Section 1681i - Procedure in case of disputed accuracy : Their failure to conduct a reasonable reinvestigation after I disputed the accuracy of information further violates FCRA Section 1681i.

Potential Fine Amounts : FCRA Violation ( 15 USC 1681n ) : Up to {$1000.00} per violation Non-Compliance with FCRA Section 1681m - Duties of Users Regarding Adverse Actions : Equifax, XXXX, and XXXX 's failure to provide adverse action notices to me based on information in a consumer report violates FCRA Section 1681m.

Potential Fine Amounts : FCRA Violation ( 15 USC 1681n ) : Up to {$1000.00} per violation Non-Compliance with FCRA Section 1681g - Disclosures to consumers : Their failure to provide me with a copy of my consumer report upon request violates FCRA Section 1681g.

Potential Fine Amounts : FCRA Violation ( 15 USC 1681n ) : Up to {$1000.00} per violation Non-Compliance with FCRA Section 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : Equifax, XXXX, and XXXX 's failure to provide accurate and complete information to consumer reporting agencies violates FCRA Section 1681s-2.

Potential Fine Amounts : FCRA Violation ( 15 USC 1681n ) : Up to {$1000.00} per violation Non-Compliance with FCRA Section 1681s-2 ( b ) - Duties of furnishers of information upon notice of dispute : Their failure to conduct a reasonable investigation of disputed information violates FCRA Section 1681s-2 ( b ).

Potential Fine Amounts : FCRA Violation ( 15 USC 1681n ) : Up to {$1000.00} per violation Non-Compliance with FCRA Section 1681s-2 ( c ) - Timely response to disputes : Equifax, XXXX, and XXXX 's failure to respond to disputes within the required

30-day period violates FCRA Section 1681s-2 ( c ). Potential Fine Amounts : FCRA Violation ( 15 USC 1681n ) : Up to {$1000.00} per violation Previous Correspondence with Equifax, XXXX, and XXXX : Enclosed herewith, you will find a comprehensive dossier of all correspondences exchanged between me and Equifax, XXXX, and XXXX. This dossier encompasses dispute letters, responses, and any additional documentation supporting the veracity of my claims. Regrettably, these efforts have proven futile, necessitating the elevation of this matter to your esteemed bureau. 

Request for Regulatory Intervention : I respectfully implore the Consumer Financial Protection Bureau to initiate a thorough investigation into the outlined violations by Equifax, XXXX, and XXXX. I seek redress in the form of a meticulous review of the case, rectification of inaccuracies on my credit reports, and the expeditious deletion of unauthorized items and inquiries occasioned by the Equifax data breach. 

Legal Remedies : In light of the gravity of these infractions, I anticipate the application of all available legal remedies as stipulated by pertinent consumer protection statutes. 

Conclusion : Your prompt attention to this matter is not only sought but is imperative in ensuring the vindication of my rights. I express my gratitude for your anticipated thorough examination and resolution of this matter. 

I XXXX XXXX, am submitting this expense report in relation to the Equifax data breach that occurred. The following details the costs, expenses, and losses incurred due to identity theft, fraud, or misuse of my personal information. 

XXXX XXXX XXXX : XXXX XXXX, {$100.00} XXXX XXXX, {$50.00} XXXX XXXX XXXX XXXX XXXX, {$50.00} XXXXXXXX XXXX XXXX, {$20.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, {$150.00} XXXX XXXX {$150.00} Total Expenses : {$8200.00} XXXX  XXXX  months = {$97000.00} I have attached copies of receipts, invoices, and relevant documentation for each expense listed above. Additionally, I have included any correspondence with Equifax or other entities related to these expenses. 

I am submitting this expense report in accordance with the resolution process for the Equifax data breach. 

Thank you for your prompt attention to this matter. 

Sincerely,