Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC [ Equifax Address, if known ] RE : Formal Complaint Violations of FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA Demand for Immediate Correction and Compensation in the Amount of {$15000.00} To Whom It May Concern, I am writing to address Equifax Information Services LLCs repeated non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These violations have resulted in significant harm to my credit profile and personal reputation, warranting corrective actions and compensation. 

Violations Equifax has repeatedly failed to ensure the accuracy of my credit report, as required by FCRA sections 15 U.S.C. 1681b ( 2 ), 1681e ( b ), 1681i ( a ) ( 1 ), and 1681n, and as clarified by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). Despite providing numerous forms of identity verification, including secure form submissions, phone verification, and photo identification, I have received over 30 redundant requests for identity verification. This conduct, along with XXXX failure to resolve the following issues, appears to be a deliberate delay tactic to evade responsibility. 

The inaccuracies in my credit report include information from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, as well as inaccuracies in my address, job history, and active account statuses. Additionally, XXXX XXXX XXXX has reported a false accrual of balances and made improper adjustments to charge-off amounts on a month-to-month basis for a period spanning over 81 months. This persistent reporting of inaccurate information has negatively impacted my business and personal credit score, causing financial and reputational harm to both business and personal. 

Equifax has also failed to provide any permissible purpose under 15 U.S.C. 1681b for reporting certain negative items from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not authorize nor receive any notification regarding these items being reported, which raises serious concerns about XXXX compliance with FCRA standards. 

Demand for Corrective Action and Compensation Given the pervasive impact of these reporting failures, I am formally demanding the following : XXXX. Immediate correction of all inaccuracies related to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, address, job history, and account statuses. 
2. Detailed documentation of the steps taken in Equifaxs investigations into each of these items, including a list of all verification actions conducted, signatures, and documents provided for debt verification. This documentation should confirm Equifaxs investigation process and its compliance with FCRA standards.

3. Disclosure of permissible purposes or legal justifications for reporting negative items without my explicit permission or prior notification.

4. Written confirmation of corrective measures taken and an updated credit report reflecting these corrections.

5. Cease and desist further requests for identity verification in connection with this dispute unless new, valid reasons arise.

6. Compensation in the amount of {$15000.00} to remedy the financial and reputational harm caused by Equifaxs failure to accurately report information and its repeated use of delay tactics. This compensation request is based on the documented harm caused by over 81 months of inaccurate reporting of balances and adjustments by XXXX XXXX XXXX, as well as other ongoing errors and omissions. 

If Equifax does not address these issues and provide the requested compensation within [ 14 days ], I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take legal action to enforce my rights under the FCRA and FDCPA. 

Thank you for your prompt attention to this matter. I expect an immediate and comprehensive response. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation