Consumer complaint received 2024-04-11
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. (CA)

**Subject : Urgent Complaint Regarding Recurrent Credit Information Mismatch** **To Whom It May Concern, ** I am writing to express significant concern and file a formal complaint about persistent issues with my credit report where my financial information has been repeatedly confused with that of another individual. This ongoing problem began in XXXX and has recurred multiple times up to the present date in XXXX. 

**Details of the Issue : ** - **Initial Incident** : The first occurrence was noted in XXXX. 
- **Subsequent Incidents** : Since the initial incident, the issue has reoccurred on multiple occasions, with the most recent being noted in XX/XX/XXXX. 
- **Nature of Errors** : The errors typically involve the appearance of unfamiliar accounts and financial obligations on my credit report, which do not pertain to my financial activities. 

**Actions Taken : ** - **Personal Efforts** : I have contacted the credit reporting agencies ( XXXX, Equifax, and XXXX ) each time these inaccuracies have appeared to dispute and correct the erroneous entries. Each issue was temporarily resolved ; however, the recurrence suggests a deeper systemic problem. 
- **Company Responses** : While individual disputes have been addressed by removing specific inaccuracies, no lasting solution or preventive action has been effectively implemented to rectify the underlying issue permanently. 

**Legal Concerns : ** - **Fair Credit Reporting Act ( FCRA ) ** : The repeated inaccuracies and the failure to prevent recurrence of these issues suggest a violation of the FCRA, which mandates credit reporting agencies to maintain accurate and complete records in consumer reports.

- **Duty to Investigate and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. 

**Requested Actions : ** 1. **Comprehensive Investigation** : An exhaustive investigation into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into existing files.

2. **Implementation of Preventive Measures** : Establishment of stricter data handling and verification protocols to ensure such mix-ups are permanently prevented. I request a detailed outline of the actions planned and implemented. 
3. **Regular Updates and Transparency** : Provision of regular updates on the status of the investigation and corrective measures being taken.

4. **Immediate Corrections and Notifications** : Immediate rectification of any inaccuracies currently affecting my credit report, with notifications sent to any entities that received incorrect information. 

**Conclusion : ** This recurring problem has caused undue stress and potential damage to my financial standing, eroding my confidence in the reliability of the credit reporting system. It is imperative that this issue be addressed with the seriousness it deserves and resolved permanently. I trust that your agency will take swift and effective action to correct this longstanding issue. 

I anticipate your prompt acknowledgment of this complaint and an outline of the steps you will take to resolve this matter satisfactorily.