Consumer complaint received 2024-11-22 00:00:00
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.
State: FL

Complaint narrative:
Subject : Continued Inaccurate Reporting, Failure to Investigate Disputes, and Refusal to Disclose Verification Methods XXXX  XXXX XXXX, XXXX, and XXXX Accounts Dear Equifax, XXXX am writing to express my frustration and formally dispute the continued reporting of inaccurate information on my credit report regarding the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX Despite multiple disputes and detailed requests for corrections, the inaccuracies persist across all three accounts, reflecting a systemic failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA : 15 U.S. Code 1681e ( b ) : Failure to Ensure Accuracy Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued reporting of inaccurate information for these accounts indicates a violation of this responsibility.

15 U.S. Code 1681i : Inadequate Investigation of Disputes Under this provision, credit reporting agencies must conduct a thorough investigation when a consumer disputes information. The repeated failure to resolve inaccuracies suggests a lack of proper investigation procedures. 

FCRA Section 611 : Refusal to Disclose Verification Methods I have repeatedly requested the methods of verification for previous disputes. Equifaxs failure to provide this information undermines my ability to assess the validity of the investigations conducted. 

Request for Deletion and Damages Due to the failure to verify or correct inaccuracies and provide required information, I am formally requesting the deletion [ DA ] of all three accounts XXXX XXXX  XXXX XXXX, XXXX, and XXXX ) from my credit report. 

This request is supported by the following : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion If any information is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Furnishers Responsibilities Furnishers of information, such as the financial institutions in question, are obligated to provide accurate data and conduct investigations when disputes arise. Their failure to fulfill this obligation justifies the deletion of these accounts.

15 U.S. Code 1681n : Civil Liability for Willful Noncompliance Given the ongoing inaccuracies, I am attaching an invoice for damages incurred, including lost opportunities and emotional distress, directly resulting from Equifaxs noncompliance with the FCRA. 

I am attaching the invoices, along with my SSN and driver 's license, for your reference. 

Final Notice Failure to address these issues and comply with the FCRA will leave me with no alternative but to pursue further legal action to protect my rights. I expect prompt action to resolve this matter comprehensively. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief