Consumer complaint received 2024-11-07 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute and Request for Immediate Deletion of Reporting under FCRA, FDCPA, USC and Privacy Act Violations- XXXX XXXX XXXX ( Account # XXXX ) Dear Equifax, I am writing to formally request an immediate investigation and correction regarding the inaccurate and inconsistent reporting of an account with XXXX XXXX XXXXXXXX in the amount of {$650.00} on my EQUIFAX credit file. Currently, EQUIFAX is reporting this erroneous account on my EQUIFAX CREDIT FILE, while XXXX and XXXX do not have any record of it. This discrepancy violates multiple provisions of federal law and causes significant harm to my credit profile and financial reputation. 

The following United States Code sections and federal laws support my right to have this erroneous information removed : 1. 15 U.S.C. 1681e ( b ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports. The inconsistent reporting of this debt collector XXXX XXXX XXXX account among your bureau ( EQUIFAX ) is a clear violation of this requirement.

2. 15 U.S.C. 1681c ( a ) ( 1 ) This section states that any information included in a credit report must meet strict conditions, and inaccurate or unauthorized records should not be reported. I have included documentation making the current reporting by EQUIFAX unauthorized and inaccurate.

3. 15 U.S.C. 1681i ( a ) This section grants consumers the right to dispute inaccuracies on their credit reports and requires credit reporting agencies to conduct a reasonable reinvestigation of any disputed information. I am formally disputing the reporting of this debt collector account and demand that EQUIFAX immediately reinvestigate and remove it from my credit file.

4. 15 U.S.C. 1681n and 15 U.S.C. 1681o These sections specify the penalties for willful or negligent noncompliance with the FCRA. If these inaccuracies remain on my reports despite my dispute and evidence, I reserve the right to pursue remedies under these sections.

5. Privacy Act of 1974 The unauthorized reporting of a debt collector account that was not submitted by the account holder also constitutes a violation of the Privacy Act of 1974 [ 5 U.S.C. 552a ], which regulates the handling of personal information by federal agencies. By sharing or maintaining false information without proper authorization, you are infringing on my right to privacy under federal law. The existence of this debt collector entry without proper authorization is a breach of my privacy and constitutes unlawful handling of my personal data.

In light of these statutory protections, I demand that you : 1. Conduct an immediate investigation into the unauthorized reporting of this debt collector account on my EQUIFAX report.

2. Remove any debt collector information in reference to this debt collector account named XXXX XXXX XXXX from my EQUIFAX credit file to ensure accurate, consistent reporting across all three bureaus. 
3. Provide me with a written confirmation of the deletion and a corrected copy of my credit report.

4. Provide me with financial compensation in the amount of {$1000.00} for the negligence of knowingly and willfully reporting inaccurate information on my Credit File, Per 15 USC 1681n and 15 USC 1681o. 

The check can be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These inaccuracies need to removed immediately. Should these inaccuracies persist, I reserve the right to seek remedies under the aforementioned sections of the USC and the Privacy Act of 1974 for any extra damages that may have incurred.

Thank you for your prompt attention to this matter. Please contact me in writing at the address above should you require additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation