Consumer complaint received 2024-02-07
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 am writing to bring to your attention a concerning matter regarding the reporting practices of Equifax, one of the major credit reporting agencies. Specifically, I have identified instances where Equifax has reported accounts on my credit report that do not appear to be verified through the Uniform Commercial Code ( UCC-11 ) process, thus raising questions about the accuracy and legality of their reporting practices. I have submitted many complaints over the years about their practices most recent being CFPB report # XXXX leading to deletions. Please see the certified UCC-11 report attached to support my concerns as the Secretary of State has provided me a certified letter to support my claims. 

Furthermore, I have reason to believe thatEquifax 'sactions may constitute violations of several provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). These violations include but are not limited to : Violation of 15 U.S.C. 1692d : Equifax 'sreporting of accounts not verified through UCC-11 may constitute harassment or abuse in connection with the collection of a debt. 

Violation of 15 U.S.C. 1692c ( a ) : Equifax 's reporting of inaccurate or unverified information may constitute communication with a consumer at an inconvenient time or place. 

Violation of 15 U.S.C. 1692b ( 5 ) : Equifax 's failure to verify the accuracy of reported accounts through UCC-11 may constitute unauthorized access to consumer credit reports. 

Violation of 15 U.S.C. 1692e : Equifax 's reporting of inaccurate information may constitute false or misleading representations in connection with the collection of a debt. 

Violation of 15 U.S.C. 1681q : Equifax 's failure to maintain reasonable procedures to ensure the accuracy of information reported on my credit report may constitute a violation of FCRA. 

Violation of 15 U.S.C. 1681s-2 : Equifax 's failure to correct or delete inaccurate information upon request may constitute a violation of FCRA. 

Violation of 15 U.S.C. 6802 : Equifax 's failure to adequately protect consumer information in accordance with GLBA may constitute a violation of consumer privacy rights. 

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these allegations and take appropriate enforcement action against XXXX if violations are found. Additionally, I request that XXXX be required to correct any inaccurate information on my credit report and to implement measures to prevent similar violations in the future. 

I am available to provide any further information or assistance necessary for your investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that consumers ' rights are protected and that credit reporting agencies adhere to all applicable laws and regulations. 

Sincerely, XXXX XXXX