Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to the status of my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XX/XX/XXXX. It appears that my complaint has been referred to the Office of the Comptroller of the Currency ( OCC ) ; however, my issues remain unresolved.

I am formally disputing the accuracy of the information reported by XXXX XXXX XX/XX/XXXX and demanding proper validation based on the following legal grounds : 1. Violation of 15 U.S.C. 1681s-2 Reporting Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is required to report accurate information. XXXX XXXX XX/XX/XXXXhas : Reported inaccurate and incomplete information on my credit report.Failed to conduct a reasonable investigation after being notified of my dispute, as required by 15 U.S.C. 1681s-2 ( b ).

2. Violation of 15 U.S.C. 1681i Failure to Conduct a Reasonable Reinvestigation According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, XXXX XXXXXX/XX/XXXX is required to : Conduct a reasonable reinvestigation of the disputed information.Review all relevant information provided by the consumer.Correct or delete inaccurate or unverifiable information within 30 days. 
I have not received sufficient evidence that a reasonable investigation was conducted. No documentation has been provided to verify the accuracy of the reported information. 

3. Violation of 15 U.S.C. 1692g Debt Validation Requirements ( If Applicable ) If XXXX XXXXXX/XX/XXXX is acting as a debt collector in this matter, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), XXXX XXXX XX/XX/XXXX is required to : Provide a clear and complete validation of the debt, including a breakdown of the amount owed ( principal, interest, fees ) .Provide proof of my consent to this debt through a signed agreement or contract. 
Your response did not include : A copy of the original contract or agreement containing my signature.A detailed itemization of the debt, including all fees and interest. 
4. Violation of 15 U.S.C. 1681b Permissible Purpose for Credit Inquiry Under 15 U.S.C. 1681b, a creditor may only access a consumers credit report if they have a legally permissible purpose. If XXXX XXXXXX/XX/XXXX conducted a credit inquiry without my explicit authorization or a permissible purpose, it is a violation of federal law. 

Demand for Immediate Action Cease All Collection and Reporting Activities Under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to immediately cease all collection and reporting efforts until proper validation is provided.Provide Complete Documentation, including : A copy of the original agreement showing my signature and consent to this debt or credit inquiry.A detailed itemization of the debt amount, including all fees and interest.Proof of your legal authority to collect or report this debt.

Immediate Deletion of Inaccurate Information from My Credit Report If you can not provide proper validation, this account must be removed from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : File a formal complaint with the Office of the Comptroller of the Currency ( OCC ) and the Federal Trade Commission ( FTC ) for violation of my consumer rights.Pursue legal action for willful non-compliance under 15 U.S.C. 1692k and 15 U.S.C. 1681n, seeking damages for unauthorized credit reporting and collection activities.

Escalation Steps : Since the CFPB has referred this matter to the OCC, I am now : Requesting that the OCC conduct a thorough investigation into XXXX XXXXXX/XX/XXXXreporting practices.Escalating the issue to the Federal Trade Commission ( FTC ) for unfair or deceptive business practices under the Fair Credit Reporting Act ( FCRA ) .Contacting my states Attorney General to report potential violations of state consumer protection laws.

Company response to consumer: Closed with non-monetary relief