Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX SS # XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Removal of Inaccurate Accounts Dear Equifax , I am writing to formally demand the removal of the following inaccurate accounts from my credit report, as they violate my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX - Account # XXXX * This account is inaccurately showing as " XXXX XXXX  '' on my credit report. XXXXXXXX XXXX is the original creditor. Additionally, the date of the report and the date of the last payment are incorrect. I request the immediate removal of this account from my credit report. 
XXXX. XXXX - Account # XXXX * The date of the last payment for this account is inaccurate. I demand its removal from my credit report. 
XXXX. XXXXXXXX XXXX  - Account # XXXX * The date of the last payment reported for this account is inaccurate. I request the removal of this account from my credit report. 
XXXX. XXXX XXXX - Account # XXXX * The payment status for this account is inaccurately reported. I request that it be corrected to reflect the current status immediately. 
Your repeated failure to properly investigate consumer disputes was recently underscored by the {$50.00} million lawsuit filed against you by the Consumer Financial Protection Bureau ( CFPB ). This highlights a troubling pattern of noncompliance with your legal obligations to conduct thorough and accurate investigations. 
As a consumer, I am entitled to fair and lawful treatment under the FCRA. I insist that these accounts be removed or corrected within four ( 4 ) business days. Failure to comply will leave me with no choice but to file a formal complaint with the CFPB and pursue all available legal remedies to protect my rights.

List of Violations : 1. Harassment and Abuse ( FDCPA, 15 U.S.C. 1692d ) * Engaging in conduct meant to harass, oppress, or abuse me, such as * Statutory Damages Requested : {$1000.00} 2. False or Misleading Representations ( FDCPA, 15 U.S.C. 1692e ) * Providing false information about the debt, including the false representation, e.g., misrepresenting the amount owed or threatening legal action that can not be taken ]. 
* Statutory Damages Requested : {$1000.00} 3. Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) * Using unfair or unconscionable means to collect the debt, such as the unfair practice, e.g., attempting to collect unauthorized fees or interest ].

* Statutory Damages Requested : {$1000.00} 4. Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g ) * Failing to provide proper validation of the debt after my request within the 30-day period. 
* Statutory Damages Requested : {$1000.00} 5. Communicating at Inconvenient Times ( FDCPA, 15 U.S.C. 1692c ) * Contacting me at inconvenient times, such as before XXXX XXXX or after XXXX XXXX, or at my place of work despite knowing it was inconvenient. 
* Statutory Damages Requested : {$1000.00} XXXX. Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) * Reporting inaccurate information to credit bureaus and failing to correct it after I disputed the information. 
* Statutory Damages Requested : {$1000.00} XXXX. Inadequate Investigation of Dispute ( FCRA, 15 U.S.C. 1681i ) * Failing to conduct a reasonable investigation of my dispute regarding incorrect information on my credit report. 
* Statutory Damages Requested : {$1000.00} Total Damages Requested : Given the multiple violations of federal law, I am requesting {$1000.00} in statutory damages for each violation listed above, for a total of {$7000.00}. 
Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me in writing once the corrections have been made. 
Sincerely, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief