Consumer complaint received 2024-11-30 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: IL

Complaint narrative:
Hi My Name XXXX XXXX XXXX I contacted you about Fraud XXXX  XXXX Account I Have Provided Police Information To XXXX  XXXX Now Im Speaking Directly To You Because You Verified This Account You Said This Was Correct When I Stated Others May Have Got ta My Information Demand for Payment and Correction of Inaccurate Credit Information Dear Who may be Concerned I am writing to formally demand that you take immediate action to correct inaccurate and misleading information on my credit report, as well as compensate me for the damages and attorneys fees that have been incurred due to your failure to properly address these issues. 
1. Inaccurate Information on Credit Report As I previously reported to your company on XX/XX/XXXX my credit report contains inaccurate information. Specifically, A Fraud Account Despite my efforts to resolve this issue through the proper dispute channels, the incorrect information has not been addressed, and as a result, I have suffered significant financial harm.

2. Damages and Impact As a result of this error, I have experienced [ list any negative consequences such as denial of credit, higher interest rates, emotional distress, or other tangible damages These consequences have caused significant harm to my financial well-being and my ability to secure credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to compensation for these damages. 
3. Attorneys Fees Furthermore, I have incurred legal fees in the amount of {$500.00}, which were necessary to assist in resolving this matter. I hired an attorney due to your failure to resolve the issue through the usual dispute channels, and this cost was directly attributable to your non-compliance with my rights under the FCRA. 
4. Demand for Payment In light of the damages I have suffered, I demand the following : {$1000.00} for the harm caused by the inaccurate information on my credit report. 
{$500.00} to cover the attorneys fees I incurred in addressing this issue. 
I request that you correct the inaccurate information on my credit report and remit payment for the damages and attorneys fees outlined above within 10 business days of the date of this letter. Failure to do so will leave me no choice but to pursue legal action to seek full compensation for my damages, including statutory and punitive damages under the Fair Credit Reporting Act ( FCRA ). 
Please consider this a formal demand to resolve this matter swiftly and avoid further legal escalation. I expect to receive written confirmation of the correction to my credit report and payment for the requested amount within the specified time frame. 
Thank you for your prompt attention to this matter. I look forward to your immediate response. 
Sincerely XXXX XXXX XXXX Account XXXX  XXXX Opened XX/XX/XXXX My phone number is XXXX My Email XXXX Address XXXX XXXX XXXX XXXX XXXX Il XXXX

Company response to consumer: Closed with explanation