Consumer complaint received 2024-03-11
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Subject : XXXX XXXX XXXX Accounts XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Bank Fund Staff Account XXXXXXXX XXXX XXXX XXXX Account XXXX Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against Equifax regarding their failure to comply with consumer protection laws and their disregard for my request for information. On XX/XX/year>, I submitted a complaint ( Complaint ID : XXXX ) to the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccuracies in my credit report, investigation process, etc. I provided Equifax with all necessary documentation and information to investigate the matter thoroughly. 
However, I am deeply disappointed to learn that Equifax has closed my complaint without providing me with the information I requested or addressing the issues raised. This action not only violates my rights as a consumer but also demonstrates a lack of accountability on the part of Equifax. 
I said Do not close this complaint until you provide me with the following : 1. The name, date and time of the person you spoke to complete your investigation According to 15 usc 1681a ( e ).

2. Written consent that I gave them to furnish these accounts. According to 15 usc 1681b ( 2 ) 3. Explain why you are still reporting these accounts even though they are not reported accurately across all 3 credit bureaus ( This is my third CFPB complaint about the inaccuracy of the reporting ) 4. Please provide the law that states that the credit bureaus can report income. These accounts are all charged off And charged off are considered certificate of indebtedness which means it is INCOME According to the IRS Publication. Income can not be reported to a consumer Report you did not provide me with any of these things. All of these laws was uploaded to the first complaint. But it seems as if Equifax either did not look at them or chose to ignore the LAW. Equifax chose to do their investigation based off of their policies not the law. The law states who they supposed to interview when doing a investigative consumer report ( 15 USC 1681a ( e ) ). But in their response to my complaint they did exactly what the law said not to do.

So again please provide me with the information I asked for in the first complaint mentioned above Before you close this complaint I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their non-compliance with consumer protection laws. Additionally, I ask that Equifax be required to provide me with the information I requested and to rectify any inaccuracies or discrepancies in my credit report promptly.

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any further information. Thank you for your assistance in this important issue. 

Sincerely XXXX XXXX