Consumer complaint received 2025-01-28 00:00:00
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.
State: GA

Complaint narrative:
XXXX : Dispute of Inaccurate Credit Report XXXXXXXX XXXX XXXX Violation of 15 U.S.C. 1681 and the Privacy Act of XXXX Dear Equifax XXXX This letter is to formally dispute inaccurate information appearing on my credit report concerning a XXXX filing. I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically citing 15 U.S.C. 1681 ( a ) ( right to accurate information ), 15 U.S.C. 1681b ( 2 ) ( reasonable procedures to assure accuracy ), and 15 U.S.C. 1681c ( requirements on consumer reporting agencies ). I also assert my rights under the Privacy Act of XXXX  ( 5 U.S.C. 552a ) to request the deletion of this inaccurate data, as its presence constitutes a violation of my privacy. Further, I am exercising my right under 15 U.S.C. 1681 ( q ) to opt out of the reporting of this XXXX information. 

My Equifax credit report incorrectly reflects a XXXX  filing. This XXXX was previously removed from my report but has since been reinstated without any new information or justification for its reappearance. The reinclusion of this information is inaccurate and violates the FCRA 's requirements for accuracy and reasonable procedures to ensure accuracy. 

This inaccurate information is causing me [ Explain the harm caused by the inaccurate information, e.g., difficulty obtaining loans, rental applications, employment opportunities ]. This inaccurate reporting has caused me significant distress and emotional damages. 

I demand that you immediately investigate this matter and take the following actions : XXXX. **Correct the inaccurate information** : Remove the bankruptcy filing from my credit report immediately. Provide me with written confirmation of its removal. 
XXXX. **Ensure Data Compliance : ** Confirm that all future reports accurately reflect my true credit history, free from the aforementioned inaccuracies. I am formally opting out of any future reporting of this bankruptcy as allowed under 15 U.S.C. 1681 ( q ). 
XXXX. XXXX Notice : ** XXXX a notice of correction to all creditors and other parties who may have been provided with this inaccurate information. 
XXXX. XXXX XXXX : ** I request the deletion of all data associated with the inaccurate bankruptcy filing from your systems, as per the Privacy Act of XXXX This includes any and all personally identifiable information associated with this entry. 

Furthermore, I am seeking compensation for the violations of the FCRA and the Privacy Act. I demand {$1000.00} for each violation of the FCRA, and {$500000.00} for the suffering and damages incurred, as well as the breach of my personal information. 

Failure to comply with these demands will leave me no alternative but to pursue all available legal remedies, including filing a lawsuit under the FCRA and the Privacy Act of XXXX seeking statutory damages, attorneys fees, and any other relief deemed appropriate by the court.

Company response to consumer: Closed with explanation