Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
[ XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] [ Equifax ] [ Attn : XXXX XXXX XXXX  ] [ XXXX XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Re : Final Notice of Violation under the Fair Credit Reporting Act ( FCRA ) and Demand for Compensation Dear Equifax Dispute Resolution Team, I am writing to formally address the ongoing and unresolved issues concerning the inaccurate, false, and fraudulent information being reported on my credit file. This letter serves as a final notice of violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer information. 

For more than 81 months, I have been subjected to the continued presence of false reporting on my credit profile. Over the past XXXX months, I have diligently disputed these inaccuracies, presenting viable proof on multiple occasions that clearly outlines the errors in your reporting. However, despite my repeated efforts to rectify this situation, the first human-written correspondence I received from your office was not a resolution but rather a demand for me to identify myself once again. This correspondence dismissively labeled my dispute as frivolous. I take offense to this characterization, as it is evident that the persistent allowance of false and fraudulent reporting on my credit file is anything but frivolous. 

Your organizations failure to conduct a thorough and fair investigation as dictated by the FCRA has contributed to significant harm to my credit standing, resulting in missed opportunities and considerable distress. Accurate reporting is not merely a regulatory requirement ; it is an essential aspect of maintaining consumer trust and financial integrity. 

Under the provisions of the FCRA, I am entitled to have my disputes investigated and resolved in a timely manner based on verified information. The lack of proper response from Equifax regarding my well-documented concerns continues to be unacceptable. As such, I am compelled to demand compensation for the damages I have incurred as a result of this negligence. 

I seek an amicable resolution to this matter and request compensation in the amount of [ XXXX ] as a demonstration of good faith to resolve this issue without further escalation. I believe this can be settled amicably, and I am hopeful that we can reach an agreement that acknowledges the severity and impact of this situation on my financial well-being. 

Please respond to this letter within 14 days of receipt with your proposed resolution. I wish to resolve this matter positively and hope to avoid further actions, including but not limited to reporting this issue to the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse to protect my consumer rights. 

Thank you for your immediate attention to this urgent concern. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation