Consumer complaint received 2024-10-31 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: GA

Complaint narrative:
For 81 months, EQUIFAX, has furthered the the inaccurate reporting of a fradulently applied deferment for payment code 0218 by lender XXXX XXXX and debt collector/ parent company XXXX XXXX XXXX For this matter I would like to amicably recommend a resolution by arbitration as stated below [ XXXX XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Equifax Information Services LLC Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Notice of Arbitration Regarding Infringement of Rights Dear Equifax Team, This letter serves as a formal arbitration notice pursuant to the EQUIFAX arbitration agreement concerning infringement of my rights related to fraudulent submissions involving my account with XXXX XXXX XXXX XXXX , specifically regarding the illegal addition of Deferment for Payment Code 0218. 

**Background : ** I have been facing infringement issues for a period of XXXXXXXX XXXX XXXX XXXX XXXX*. This notice addresses fraudulent submissions concerning my accruing balance, particularly regarding the inappropriate application of Deferment for Payment Code 0218. 

These actions have resulted in XXXX documented infractions** affecting my credit report, due to unauthorized entries that lack proper documentation and authorization. Such practices have placed an undue burden on my financial standing and caused significant distress. 

**Claims : ** 1. **Fraudulent Submissions : ** There have been erroneous entries made concerning my account balance, with XXXX infractions** identified over the 6 years and 10 months of this infringement period. 

2. **Improper Use of Deferment for Payment Code 0218 : ** The addition of this code appears unsubstantiated and has led to confusion about my payment obligations. 

XXXX. **Violation of Arbitration Agreement : ** The actions taken by XXXX XXXXXXXX XXXX XXXX have contravened the arbitration terms set forth by EQUIFAX. Consequently, I am seeking resolution through binding arbitration as outlined in the agreement. 

**Monetary Compensation Calculation : ** Based on the XXXX infractions** identified during this infringement period, I am seeking monetary compensation calculated at ** {$1000.00} per infraction**. This results in a total claimed amount of ** $ XXXX for the resolution of this matter. 

**Action Requested : ** I request acknowledgment of this arbitration notice within 15 days from the date of this letter. Additionally, I urge Equifax to investigate this matter thoroughly, rectify any inaccuracies on my credit report, and provide a detailed report of your findings. 

**Next Steps : ** If we can not reach an amicable resolution within 30 days of this notice, I will pursue arbitration as stipulated in the EQUIFAX agreement to seek the aforementioned monetary compensation. Please send your response to my address above or via email. I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Physical copy shall arrive in 5-7 business days.

Company response to consumer: Closed with explanation