Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Removal of Outdated Information from Credit Report and Compensation for Violations Dear XXXX XXXX XXXX and Equifax Information Services LLC , I am writing to request the immediate removal of outdated information regarding my accounts from my Equifax credit report dated XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ), negative information such as late payments or collections should not be reported for more than 7 years from the date of first delinquency. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the last activity on these accounts exceeds the 7-year reporting limit, they should no longer appear on my credit report. I kindly request that both XXXX XXXX XXXX and Equifax investigate this matter and take the necessary steps to ensure this outdated information is removed from my credit report promptly. 

Federal and State Law Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681c ( a ) ( 4 ), the FCRA mandates that negative information such as late payments should not be reported for more than 7 years from the date of first delinquency. The continued reporting of these accounts violates this federal law. 
New York State General Business Law ( GBL ) 380-j : This state law similarly restricts the reporting of adverse information to 7 years. The ongoing presence of these outdated accounts on my credit report is in direct violation of this statute. 

In addition to the removal of this outdated information, I am seeking compensation for each violation of my rights under both state and federal laws. The continuous reporting of this outdated information has caused significant harm to my creditworthiness and financial well-being over an extended period. 

Based on these violations and the harm caused, I am demanding compensation in the amount of {$10000.00} per violation. Given there are four violations, the total compensation requested is {$40000.00}. This amount is intended to cover damages related to the negative impact on my credit report, financial distress, and any other related inconveniences. 

Please confirm in writing that this correction has been made and provide details on the compensation for the violations incurred. If this matter is not resolved to my satisfaction, I will consider pursuing further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation