Consumer complaint received 2025-03-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Legal Department Attn : Legal Department Re : Dispute of Inaccurate Information on My Credit Report Account Name : XXXX XXXX XXXX Account XXXX : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information that has been reported on my credit file regarding the account with XXXX XXXX XXXX XXXX The account contains incomplete and inaccurate data, including the absence of the Date of First Delinquency ( DOFD ) and incomplete payment history. As you are aware, under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the maximum possible accuracy of the information reported to credit agencies.

1. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to Delete Inaccurate Information As per this statute, if the bureau can not verify the accuracy of the disputed information within the investigation period, you are legally required to delete the item immediately. Given the incomplete payment history and missing DOFD, which you failed to verify during the initial investigation, I am requesting the removal of this inaccurate information.

2. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy The account in question is missing crucial details and appears to have been re-aged. Under this statute, you have an obligation to ensure the maximum possible accuracy of the information reported. Since the data is incomplete and misleading, I am requesting the immediate removal of this item from my credit report.

3. 15 U.S.C. 1681n and 1681o Liability for Non-Compliance Failure to comply with these legal requirements can result in legal action, including the right to seek statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n, which provides that consumers are entitled to recover statutory damages of up to {$1000.00} for each violation of the FCRA, plus any actual damages, attorneys fees, and costs. Given that this account has been inaccurate for over 3 months, I am requesting {$1000.00} in statutory damages for each month of this violation, which totals {$3000.00} in damages for the period during which this inaccurate information has been reported. 

In addition to the deletion of this inaccurate information, I am requesting {$1000.00} per month for the past XXXX months, totaling {$3000.00}, to cover the costs of this investigation and the damage caused by the continued reporting of inaccurate information. If this matter is not resolved promptly and to my satisfaction, I will be forced to file a legal case against your bureau for failure to comply with the FCRA. This claim will include the requested damages for the harm caused by the reporting of inaccurate information and the financial burden imposed by your failure to address this issue. 

Please provide me with written confirmation of the deletion of this account, or if you believe the information is accurate, an explanation of your findings and evidence supporting your position. I expect a resolution to this matter within the required investigation period, or I will initiate further legal action. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief