Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Equifax Arbitration Department XXXX XXXX XXXX XXXX, GA XXXX RE : FORMAL NOTICE OF DEMAND FOR ARBITRATION Failure to Validate Collection Accounts, Late Payments, and Charge-Offs Violations of the Fair Credit Reporting Act ( FCRA ) Damages for Pain, Suffering, and Emotional Distress To Whom It May Concern, This letter serves as formal notice of my intent to initiate arbitration proceedings against your organization pursuant to the terms and conditions governing consumer relationships and the Federal Arbitration Act.

I previously submitted formal disputes requesting validation of several collection accounts, late payments, and charge-offs that appear on my consumer credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to : Conduct a timely and reasonable investigation ( 15 U.S.C. 1681i ), Provide me with a written report of the results of your investigation, Include documentation from the data furnisher that verifies the disputed information, Delete any account or tradeline that can not be verified with proper documentation.

Violations Despite your legal obligations, you have : Failed to provide validation or investigation results for one or more collection accounts, late payments, and charge-offs I disputed, Continued to report negative information without furnishing any documentary evidence supporting your claim of verification, Neglected to provide a copy of the documents you relied on to allegedly validate these accounts, Refused to delete inaccurate or unverified information, even after multiple disputes, Failed to respond within the FCRAs timeline, resulting in willful or negligent noncompliance.

Resulting Harm Your actions and inactions have directly resulted in : Repeated credit denials ( housing, loans, employment ), Emotional distress and mental anguish from unfair and inaccurate reporting, Ongoing damage to my financial reputation and credibility, Inability to secure reasonable terms on necessary credit-based transactions.

Demand for Relief To resolve this matter, I am seeking : 1. Immediate deletion of all unverified collections, late payments, and charge-offs in question.

2. Full documentation and detailed results of all investigations allegedly conducted in response to my disputes.

3. A monetary award of {$25000.00} to compensate for emotional distress, reputational harm, and loss of credit opportunities.

4. Reimbursement of any arbitration and legal fees associated with this action.

If this matter is not resolved within 15 days, I will proceed to file for arbitration with the XXXX XXXX XXXX ( XXXX ) or XXXX, pursuant to the arbitration clause outlined in your consumer agreement. 

This is not a frivolous matter I expect a fair and complete resolution, in accordance with your legal obligations under the FCRA and applicable consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX date XXXX Last of the SSN-XXXX

Company response to consumer: Closed with explanation