Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXXRe : Report Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Dear Equifax XXXX I am writing to formally address your response dated XX/XX/year>, concerning the errors I reported on my credit report. Despite providing you with a detailed notification of errors and requesting a reinvestigation as per the Fair Credit Reporting Act ( FCRA ), your response that you " do not have this account listed on my credit report '' is beyond misleading and constitutes fraudulent misrepresentation. Historical records clearly demonstrate that XXXX XXXX XXXX XXXX ( Account XXXX ) has appeared on my Equifax report as far back as XX/XX/year>, and likely earlier. The inaccuracies and misrepresentations in handling this matter are a violation of applicable consumer protection laws. 

Under Section 15 USC 1681i ( 7 ) of the FCRA, Credit Reporting Agencies are required to provide consumers with a description of the investigation procedures within 15 days of receiving a dispute. As of todays date, I have not received this critical information. I am therefore demanding : A detailed description of the procedures used in the investigation to verify the account referenced above.

Immediate deletion of the erroneous account ( XXXX XXXX XXXX XXXX, Account XXXX ) due to the multiple documented errors in reporting. 
This account continues to show on my credit report as having a credit limit, despite being marked as charged off, and I have no access to this credit. Equifax 's continued failure to delete or correct these errors constitutes noncompliance with the FCRA. Additionally, your actionsor lack thereofmay result in harm to my creditworthiness, which is actionable under the law. 

Applicable Laws and Precedents : Under the FCRA, Section 15 USC 1681e ( b ) requires Credit Reporting Agencies to ensure maximum accuracy of consumer information. Repeated reporting of erroneous information violates this provision.

Section 15 USC 1681i ( a ) mandates reasonable reinvestigation of disputes raised by consumers. Your failure to delete or correct this account despite my repeated notices is in direct violation. 
Numerous lawsuits, such as Richardson v. Equifax and XXXX XXXX XXXX, XXXX, underscore the liability of Credit Reporting Agencies for failing to investigate disputes or perpetuating false information. 
On XX/XX/year>, I received another credit report from you that continues to reflect the same inaccuracies I initially disputed. This demonstrates a failure to take appropriate corrective action. Your actionsor lack thereofnot only violate the FCRA but also may be subject to further legal scrutiny for negligence, willful misrepresentation, and noncompliance. 

Demand for Immediate Action : I demand that Equifax : Immediately delete the erroneous account ( XXXX XXXX XXXX XXXX, Account XXXX ) from my credit report. 
Provide a detailed explanation of the investigation procedures used to verify the accuracy of this account. 
Confirm compliance with all provisions of the FCRA, including the requirement to ensure maximum accuracy. 
Failure to comply with this formal demand within 15 days of receipt will leave me with no option but to escalate this matter. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I reserve the right to pursue legal action for damages caused by your negligence and misrepresentation. 

Please treat this letter as a serious and urgent matter. I expect a prompt and complete resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation