Consumer complaint received 2024-11-11 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: AL

Complaint narrative:
Request for XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, AL, XXXX ] XXXX ( XXXX ) XXXX To : EQUIFAX XXXX XXXX XXXX, XXXX, GA XXXX XXXX 

Re : Request for Compensation for Negligent Credit Reporting Dear EQUIFAX, I am writing to formally request compensation for damages caused by your negligent credit reporting practices, which have negatively affected my credit profile and caused me financial and emotional harm. 

Summary of the Issue : After recently checking my credit report I noticed that I've been a victim of erroneous credit reporting. The erroneous information includes false and unverifiable inquiries. I promptly disputed the information with EQUIFAX and provided all necessary documentation supporting my claim. Despite my efforts, EQUIFAX failed to correct the inaccuracies in a timely manner, violating its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : 1. Failure to investigate my dispute properly : Despite my providing evidence and documentation, EQUIFAX either failed to investigate or conducted a substandard investigation. They didnt provide any written proof of the investigation and no follow-up documentation showing the validity of the information they are reporting on my consumer report. 
2. Failure to correct or delete inaccurate information : EQUIFAX did not delete/ correct the false information within the time frame required by the FCRA .

3. Failure to provide timely and full detailed and written notification of investigation ledgers : I did not receive any updates or confirmation that my dispute was handled appropriately, in violation of the FCRA 's requirement to inform consumers of the results of the investigation. 
Impact of the Negligence : As a result of your negligent credit reporting, I have suffered significant financial harm, including but not limited to : * Denial of credit or loans due to the erroneous information on my credit report. 
* Higher interest rates on credit offers that I was able to obtain.

* Damage to my credit score, impacting my ability to secure financial opportunities.

* Emotional distress caused by the ongoing negative impact on my financial standing.

Compensation Requested : Due to the financial and emotional damages I have endured, I am seeking compensation in the amount of {$1000.00} per occurrence. This compensation will help to cover the following : * Higher interest payments incurred as a result of the negligent reporting. 
* Legal or administrative costs associated with disputing the false information. 
* Emotional distress and inconvenience caused by your failure to comply with FCRA requirements. 
I expect this matter to be resolved promptly. Should you fail to respond within XXXX XXXX of this notice, I reserve the right to pursue further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or initiating legal proceedings for damages under the Fair Credit Reporting Act ( FCRA ). 
I look forward to your response and an appropriate resolution to this matter. Please contact me at XXXX to discuss the details of this request and the compensation you will offer. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief