Consumer complaint received 2025-01-05 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 ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Pre-Arbitration Notice for Violations Related to Identity Verification Correspondence To Whom It May Concern, I am writing to formally address the excessive, malicious, and non-compliant issuance of identity verification correspondence by Equifax, particularly concerning the latest thirty ( 30 ) letters dated from XX/XX/XXXX to XX/XX/year>. This pattern of correspondence is not an isolated incident, as I have documented similar issues occurring weekly and monthly since XX/XX/year>. 

These recent communications followed the submission of documents that detailed my legal name, address, workplace, and other pertinent information. After considerable delay, these documents were finally accepted, leading to adjustments that accurately reflect my credit file. Despite this, I have received an overwhelming number of identity verification notifications, which appear to be a strategy to evade accountability for the lengthy delay and to obscure your obligations under the Fair Credit Reporting Act ( FCRA ). 

This apparent disregard for regulatory compliance not only illustrates a pattern of negligent behavior but suggests a deliberate attempt to mislead. The following FCRA provisions are particularly relevant to my case : 1. **FCRA Section 602 ( 15 U.S.C. 1681 ) ** : This section outlines the purpose of the FCRA, emphasizing the importance of maintaining accurate credit information and protecting consumers from unfair treatment.

2. **FCRA Section 606 ( 15 U.S.C. 1681e ) ** : Under this statute, consumers have the right to receive clear and concise information regarding their credit reports and how their information is being used. The barrage of identity verification letters constitutes non-compliance with this requirement.

3. **FCRA Section 611 ( 15 U.S.C. 1681i ) ** : The FCRA mandates that once a dispute is raised, the credit reporting agency must investigate the dispute within 30 days. The latency and subsequent identity verification demands contradict this stipulation, resulting in a lack of timely resolution. 

4. **FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section holds furnishers of information accountable for the accuracy of the data they report. Your failure to resolve my disputes promptly and your improper issuance of identity verification correspondence reflects a violation of this principle.

Moreover, the Federal Trade Commission ( FTC ) guidelines reinforce the obligation of credit bureaus to conduct investigations with diligence and in good faith, ensuring that consumers are not subject to unnecessary burdens, such as excessive verifications. 

I also want to draw your attention to affirming litigation, such as **XXXX  v. Equifax , Inc. XXXX No. XXXX ) **, where the courts upheld stringent compliance requirements under the FCRA and XXXX consumers subjected to similar manipulative practices. 

# # # Demand for Compensation Due to Equifax 's willful non-compliance, I am demanding a resolution for the harm suffered as a result of these violations. The demand amount reflects both the documented violations and the time and injury caused by these actions : - **Nature of Violations** : Thirty ( 30 ) instances of excessive identity verification correspondence.

- **FCRA Liability** : As per 1681n, willful non-compliance can result in statutory damages ranging from {$100.00} to {$1000.00} per violation.

- **Total Demand Calculation** : - Number of Violations : 30 - Minimum Compensation Requested : {$100.00} * 30 = {$3000.00} - Maximum Compensation Requested : {$1000.00} * 30 = {$30000.00} - **Inflation for Damages & Suffering** : Considering ongoing emotional distress and financial harm, I am seeking a total compensation of ** $ 25,000** as a fair estimation of the damages sustained.

# # # Resolution Through Arbitration If Equifax does not adequately address and resolve these violations within [ insert a specific deadline, typically within 30 days ], I am prepared to escalate the matter to arbitration. This action is intended to ensure a structured resolution to my concerns surrounding my rights and Equifaxs obligations under the FCRA.

# # # Supporting Evidence In addition to underlining the aforementioned statutes, I have documented evidence of all excessive correspondence through mail and various reporting platforms, including the CFPB, BBB, and FTC. Such evidence further supports my claims and serves as proof of Equifax 's systematic failure to comply with regulatory guidelines.

In light of these ongoing issues and the documented pattern of behavior that violates the FCRA, the False Claims Act, and various consumer protection laws, I am formally notifying you that I am prepared to pursue arbitration to resolve this matter if Equifax fails to rectify these issues immediately. 

Please consider this notice as an opportunity for resolution. I expect a prompt reply within 15 days explaining how you intend to address these violations and prevent future occurrences. 

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

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation