Consumer complaint received 2024-11-26 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: MI

Complaint narrative:
Subject : Formal Notice of FCRA Violation and Request for Corrective Action Dear Sir/Madam, I am writing to formally notify XXXX XXXX XXXX of a serious issue regarding my credit report that appears to be a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered inaccurate and falsified information regarding my payment history with XXXX XXXX XXXX 

Specifically, the payment history on my credit report reflects discrepancies that do not align with my actual payment records. This erroneous reporting has significantly impacted my credit profile and has caused undue harm to my financial standing.

These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. **Accuracy of Information ( 15 U.S.C . 1681e ) ** : Creditors and furnishers of information to credit bureaus are required to provide accurate and complete information. Intentionally reporting false information or inaccuracies is a violation of this section.

2. **Duty to Correct and Update Information ( 15 U.S.C . 1681i ) ** : Upon discovering inaccuracies, the furnisher of the information ( creditor ) must investigate and correct any inaccuracies within a reasonable timeframe.

3. **Prohibition of Reporting Information Known to Be Inaccurate ( 15 U.S.C. 1681s-2 ) ** : Creditors have a duty to provide accurate information to credit reporting agencies. Knowingly reporting false information or failing to correct inaccurate information is a violation of this section.

4. **Willful Noncompliance ( 15 U.S.C. 1681n ) ** : If a creditor willfully fails to comply with any requirement imposed under the FCRA, they can be liable to the consumer for actual damages, punitive damages, and attorneys fees. 


I kindly request that XXXX XXXXXXXX XXXX takes the following corrective actions promptly : 1. Conduct a thorough investigation into the inaccuracies in my payment history that have been reported to credit bureaus.

2. Rectify and update the inaccurate information to reflect the correct payment history.

3. Provide me with a written confirmation once the corrections have been made and ensure that the updated information is reported to all major credit reporting agencies. 

Additionally, I request that XXXXXXXX XXXX XXXX provide me with any and all records related to the reporting of my payment history to credit bureaus, as allowed by law. 

Please be advised that failure to address this matter promptly and appropriately may result in further legal action to remedy the damages caused by the inaccurate reporting. 

I expect a response within 30 days of receipt of this letter. Your immediate attention to this matter is greatly appreciated. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.

Company response to consumer: Closed with non-monetary relief