Consumer complaint received 2024-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure by XXXX XXXX and Equifax to Honor Identification and Power of Attorney Documents -- - Introduction : This complaint is filed to address multiple violations of federal laws by XXXX, which has failed to process my disputes regarding the inaccurate reporting of rescinded accounts. Despite submitting all required documentation, including a valid Power of Attorney ( POA ), identification, and Social Security information, XXXX has falsely claimed that my identification documents were insufficient or illegible. This baseless rejection constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and undermines the legal validity of my disputes and rescission of signature. 


-- - Background Information : XXXX. Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Past Due Amount : {$1300.00} XXXX XXXX XXXX XXXX : {$12000.00} Opened : XX/XX/year> Past Due Amount : {$350.00} XXXX. Submission of Documentation : In accordance with 15 U.S.C. 1681i ( a ), I submitted disputes to XXXX Equifax XXXX XXXX, asserting that these accounts are inaccurate because they were rescinded under the Truth in Lending Act ( TILA ). As part of my disputes, I provided the following : A certified mail receipt from XXXX A mailing response from XXXX A notarized Power of Attorney document. 

A copy of my valid government-issued identification. 



XXXX. XXXX 's Response : issued a response stating that my identification documents were insufficient or illegible, despite my compliance with their requirements. This is a deliberate misrepresentation of the facts, designed to avoid their obligation to investigate and correct the disputed information under the FCRA. 


Violations : 1. Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX XXXX and Equifax is required to conduct a reasonable investigation when a consumer disputes the accuracy of information. By rejecting my valid documentation, XXXX has failed to meet this obligation. 

Failure to Notify Furnishers : Under 15 U.S.C. 1681i ( a ) ( 2 ), XXXX XXXX and Equifax is required to notify creditors of the dispute. Their baseless rejection of my documentation effectively obstructed this process. 

Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), XXXX Equifax XXXX must ensure that the information reported is accurate. Reporting rescinded accounts as open is a clear violation of this provision. 



2. Truth in Lending Act ( TILA ) : Non-Compliance with Rescission Provisions : The accounts in question were rescinded in compliance with 15 U.S.C. 1635, which nullifies any legal obligations tied to the accounts. XXXX refusal to correct this inaccurate reporting violates my rights under TILA.

3. Consumer Protection Violations : Obstruction of Legal Process : By rejecting my Power of Attorney and associated documentation, XXXX has obstructed the legal process, preventing me from exercising my rights to dispute and correct inaccurate information. 

Failure to Recognize Legal Authority of Power of Attorney : The Power of Attorney submitted in support of my disputes is a legal instrument granting authority to act on behalf of the principal. XXXX failure to honor this document violates well-established legal principles. 





-- - Conclusion : XXXX  XXXX and Equifax actions constitute serious violations of the Fair Credit Reporting Act, Truth in Lending Act, and other federal protections. Their failure to honor valid identification and legal documentation is unacceptable and undermines the integrity of consumer rights. This complaint seeks accountability for these violations and correction of the ongoing issues regarding the disputed accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief