Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a matter of utmost importance concerning my credit report and the numerous inaccuracies and violations that have come to my attention. These issues not only impact my financial well-being but also raise serious concerns regarding consumer protection laws. I kindly request your assistance in addressing these pressing matters. 

Enclosed within this correspondence are the following discrepancies and violations on my credit report : Account Name : XXXX Account Number : XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : This account inaccurately portrays payment history, infringing upon my rights under the FCRA. 
Account Name : XXXX Account Number : XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : This account erroneously reflects the date of delinquency, negatively affecting the accuracy of my credit report. 
Account Name : XXXX Account Number : XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : This account inaccurately presents payment history, further undermining the precision of my credit report. 
Account Name : XXXX/DEPT OF ED Violation of the Equal Credit Opportunity Act ( ECOA ) and FCRA : These accounts contain inaccuracies concerning payment history and status, breaching both ECOA and FCRA regulations XXXX 
Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account XXXX XXXX XXXX Account Name : MACYS/CBNA Account Number : XXXX XXXX XXXX/DEPT OF XXXX XXXXDEPT OF ED XXXXDEPT OF ED XXXXDEPT OF ED XXXXDEPT OF ED XXXXDEPT OF ED XXXXDEPT OF ED XXXXDEPT OF ED XXXXDEPT OF ED XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, it is essential to recognize the gravity of these violations, as they extend beyond mere inaccuracies. These violations constitute a significant breach of numerous consumer protection laws, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) Truth in Lending Act ( TILA ) Consumer Credit Protection Act ( CCPA ) Credit Repair Organizations Act ( CROA ) Fair and Accurate Credit Transactions Act ( FACTA ) Electronic Funds Transfer Act ( EFTA ) Gramm-Leach-Bliley Act ( GLBA ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) These violations not only compromise my financial well-being but also erode my faith in the integrity of the credit reporting system.

I urgently request that the Consumer Financial Protection Bureau facilitates an immediate and thorough review of all the discrepancies and violations described above. This review should adhere rigorously to the provisions of the FCRA, FDCPA, ECOA, and other pertinent consumer protection laws. Subsequently, I expect a comprehensive, written response detailing the outcomes of this exhaustive investigation and the necessary corrections or updates to my credit report.

The urgency of this matter can not be overstated. The continued presence of these violations on my credit report poses a severe threat to my financial prospects and consumer rights. I anticipate a response to this letter within a reasonable timeframe, considering the complexity of the issues presented. Enclosed are copies of supporting documents for your reference.

I sincerely appreciate your immediate attention to this critical issue and your commitment to upholding consumer rights. I eagerly await your response and the resolution of these credit report violations.