Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX [ Date : XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Subject : Inquiry Regarding Reporting of XXXX XXXX XXXX Account Dear CFPB and FTC, I am writing to formally inquire about the reporting practices of XXXX XXXX XXXX  as they relate to my account. Specifically, I would like to address the issue regarding the recent deletion of my XXXX XXXX XXXX account from my credit reports by XXXX, Equifax, and XXXX. This deletion has resulted in a shortened credit history, which adversely affects my credit standing. 

I understand that XXXX XXXX XXXX may be contacted at the following addresses for confirmation of account reporting : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  po box XXXX XXXX XXXX XXXX XXXX XXXXXXXX - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX - **XXXX XXXX  : ** XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Furthermore, I have previously received a letter from XXXX XXXX stating that they are reporting accurate information and that it is the responsibility of the credit reporting agencies to report all accurate information. 

To ensure that my credit history is accurately reflected, I would appreciate any assistance you can provide in confirming this information with XXXX XXXX XXXX, particularly regarding the reporting and retention of my account. 

If you require any further information or documentation from my side, please do not hesitate to contact me at the email or phone number provided above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB, FTC XXXX, EQUIFAX, XXXX VIOLATE 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation