Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] To : [ Credit Reporting Agency Name ] Dispute Department [ CRA Address ] [ City, State, ZIP Code ] -- - Subject : Legal Obligation to Block Disputed Information Under FCRA 605B To whom it may concern, I am writing this letter which is unequivocally my final letter to formally address your agregious response which is not an afront to me but also an afront to the Rules & Regulations Governing the FCRA Laws according to my previous demand in accordance with FCRA Rules & Regulations according to the Rule of Law for your agency to block specific information on my consumer credit report under FCRA 605B ( 15 U.S.C. 1681c-2 ). Your claim that you require up to 60 days to address my dispute demonstrates a blatant disregard for your clear and legally mandated obligations. Such a delay is inconsistent with both the letter and spirit of the Fair Credit Reporting Act, which prioritizes the timely protection of consumers like me.

-- - Understanding the Moral and Essential Essence of the FCRA The Fair Credit Reporting Act ( FCRA ) is simple at its core. Its purpose is to protect people from false or stolen information showing up on their credit reports and causing harm. When a consumer like me says, Hey, this account isnt mine, and Ive got proof, the law says youthe credit reporting agencymust hit the pause button on that information and block it right away. Its like when a XXXX spills milk, and the parent says, XXXX! XXXX it up now before it spreads everywhere. The law doesnt say, Wait a month to clean it up. It says, Act immediately.

Heres how it works : 1. The consumer sends you prooflike an identity theft report and a statement saying, This isnt my mess.

2. The law says you have four days to block that information and stop it from causing more harm.

3. After you block it, youre allowed to investigate to make sure everything is accurate.

The only times you can take the block away ( rescind it ) are if : 1. You find out the consumer made a mistake or lied about the mess ; or 2. The consumer secretly benefited from the messlike getting something they shouldnt have.

But even then, the block has to happen first. You dont get to leave the mess on the floor while you decide what to do.

-- - Legal Precedents Emphasizing Compliance It is pertinent to note that courts have consistently held credit reporting agencies accountable for failing to comply with FCRA mandates. For instance : In XXXXXXXX XXXX XXXXXXXX ( XXXX ), the plaintiff was awarded {$5.00} XXXX due to XXXX 's prolonged failure to correct inaccuracies in her credit report. 

Similarly, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  a {$60.00} XXXX verdict was rendered against XXXX for disseminating false information that misrepresented individuals as security threats. 

In XXXX XXXX Equifax ( XXXX ), a jury awarded {$350000.00} after Equifax failed to correct erroneous credit report information related to identity theft. 


These cases underscore the imperative for your agency to adhere strictly to FCRA requirements. Noncompliance not only jeopardizes consumer rights but exposes your agency to significant legal and financial repercussions. 


-- - Corrective Actions Mandated Under Federal Law Pursuant to the statutory authority conferred upon me as a consumer under FCRA 605B ( 15 U.S.C. 1681c-2 ), I hereby invoke my federally protected rights to require your agency to execute the following corrective measures with immediate effect and in strict compliance with the law : 1. Block and suppress all disputed information identified in my submission within the statutory timeframe of four days, as explicitly prescribed by federal law. This includes all accounts, collections, and inquiries associated with the fraudulent or erroneous information referenced in my dispute.

2. Issue written confirmation of the block, detailing the effective dates and a comprehensive account of all impacted entries, to my designated email address : [ Your Email Address ], within the aforementioned timeframe.

3. Conduct a diligent and comprehensive investigation into the disputed information, as mandated by the FCRA, and provide a full report of the findings, including any corrective actions taken, within 30 days of the enforcement of the block.

These obligations are non-discretionary and form an integral part of your statutory duties under the FCRA. Any deviation, delay, or failure to comply will constitute a breach of federal law and will result in the immediate pursuit of all legal and regulatory remedies available to me under the FCRA and related statutes.

-- - Course of Action in Case of Noncompliance Should your agency fail to comply with these statutory requirements, I will have no choice but to escalate this matter to all appropriate government agencies, including but not limited to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the State Attorney General Department of Justice ( DOJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I will explore all legal remedies available under the FCRA, including the pursuit of statutory damages, punitive damages, and attorneys fees as provided under 15 U.S.C. 1681n. Be assured that I will not hesitate to take further action to protect my rights and hold your agency accountable for its obligations under federal law.

-- - Final Warning Your agencys repeated negligence and delay tactics not only harm me but also violate the foundational principles of the FCRA. Let me reiterate : compliance with the law is not optional. I expect immediate action in accordance with your legal obligations and will not hesitate to pursue all available remedies to protect my rights. 


-- - Conclusion This letter is both a formal demand and a reminder of your obligations under the FCRA. Any further delays or noncompliance will result in swift escalation to the appropriate authorities and legal proceedings to ensure justice is served. 

Sincerely, [ Your Name ] l

Company response to consumer: Closed with explanation