Consumer complaint received 2024-11-26 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 A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax Information Services XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Compensation and Resolution through Arbitration To Whom It May Concern, I am writing to formally demand compensation and resolution regarding the malicious negligence and failure to report accurate information associated with my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my numerous disputes, Equifax has repeatedly failed to update or remove inaccurate and erroneous statements and information that adversely affect my credit report. 

I have engaged in numerous efforts to resolve this issue, including but not limited to the following : - Submitting disputes through your online platform and via certified mail. 
- Providing secure form submissions and substantial personal documentation which includes a lease agreement, W-2 forms, pay stubs, and my birth certificate. 

In addition to this, your continued abuse of identity verification requests in response to properly submitted complaints to the Consumer Financial Protection Bureau ( CFPB ), Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ) exhibits a pattern of malicious conduct. This has seriously impacted my credibility and has so distorted my credit file that my credit score and report can not even be found under my given and legal name by lenders, banks, and other reporting agencies. 

This consistent mishandling of my credit file not only demonstrates a lack of due diligence on your part but also indicates a blatant disregard for the consumer protections established by the FCRA. As a result, my creditworthiness has been severely undermined, affecting my ability to secure loans, housing, and employment. 

Per the FCRA, I am entitled to accurate reporting and resolution of disputes regarding my credit information. Your failure to comply with these regulations has caused me significant distress and financial harm. 

Therefore, I am demanding full compensation for the damages I have incurred, including but not limited to : XXXX. Monetary compensation for the impact on my credit standing. 
XXXX. An update to my credit file to reflect accurate information, including the removal of any erroneous data. 
XXXX. A formal acknowledgment of this mistreatment and assurance that measures will be taken to prevent future occurrences. 

I believe that this matter can be resolved through arbitration, as provided for in your customer agreements. Please consider this a formal request for arbitration, and provide me with your dispute resolution procedures. I expect a prompt response within XXXX  days from the date of this letter. Failure to adequately address this issue will leave me no choice but to pursue further legal actions. 

Thank you for your immediate attention to this critical matter. I look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX ] ---

Company response to consumer: Closed with explanation