Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (SC)

Complaint to CFPB Regarding Violation of FCRA and 15 U.S. Code 1601 by XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX XXXX XXXX  Original Amount Owed : {$13000.00} Date Assigned : XX/XX/XXXX Status : Unpaid ( Reported on XX/XX/XXXX ) Dispute Information : Disputed with Equifax Confirmation Number : XXXX Dispute Submitted : XX/XX/XXXX Investigation Completed : XX/XX/XXXX Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act, specifically 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ). Despite disputing the accuracy of a collection account reported by XXXX XXXX XXXX XXXX XXXX with Equifax, the inaccurate information remains on my consumer credit report. 

Timeline of Events : XX/XX/XXXX : I submitted a formal dispute with Equifax regarding the collection account from XXXX XXXX XXXX XXXX XXXX XXXX The dispute was assigned Confirmation Number XXXX. 
XX/XX/XXXX : Equifax completed its investigation. However, despite the dispute process being concluded, the collection account continues to appear on my credit report without any changes or updates. 

Details of the Violation : FCRA Violations : Failure to Remove or Correct Inaccurate Information ( FCRA 1681i ) : Once a consumer disputes a debt, and if the information can not be verified, the furnisher is required to remove or correct the erroneous data. XXXX XXXX XXXX XXXX XXXX has failed to correct or remove the disputed account, even after the investigation was completed. 
Furnisher Responsibilities ( FCRA 1681s-2 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for ensuring that only accurate, verifiable information is reported to credit reporting agencies. The ongoing reporting of this inaccurate and unverifiable information is in direct violation of their obligations under the FCRA. 
Violation of 15 U.S. Code 1601 ( Consumer Credit Protection Act ) : The continuous reporting of inaccurate debt information on my credit report breaches the rights afforded to me as a consumer under this law, which mandates fair and accurate credit reporting practices.

Violation of 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) : The willful and negligent noncompliance of XXXX XXXX XXXX XXXX XXXX has caused significant harm to my credit score and financial standing. This negligence directly violates the FCRA and subjects them to civil liability under 1681n.

Requested Action : Immediate Removal : I request the immediate removal of this inaccurate collection account from my credit report, as it was not verified during the dispute process. 
Compensation for Damages : I seek compensation for damages caused by the willful and negligent reporting of inaccurate information. The presence of this inaccurate account has affected my credit score and financial opportunities. 
Written Confirmation : I request written confirmation from XXXX XXXX XXXX XXXX XXXX and Equifax that the account has been removed and that no further action will be taken against me related to this debt. 

I respectfully ask the CFPB to intervene and ensure that XXXX XXXX XXXX XXXX XXXX complies with the FCRA and other relevant consumer protection laws. The failure to resolve this matter has caused me undue harm, and I look forward to a swift resolution.