Consumer complaint received 2025-05-18 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : SECOND DISPUTE OF INCOMPLETE AND INACCURATE INFORMATION & REQUEST FOR COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern, This is my second formal dispute regarding incomplete and inaccurate information reported by your agency on my consumer report, which has resulted in my denial of employment and an adverse action against me. The inability to obtain employment due to this adverse action has crippled me financially and caused severe damage to my mental health. 
I was advised by a legal friend that under 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ), this can be considered an adverse action. Despite my previous request, the matter remains unresolved. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) require that all reported information be accurate, verified, and legally permissible. I am demanding immediate compliance with the FCRA, specifically emphasizing the following legal provisions : 1. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information they provide. The continued presence of inaccurate information in my report is a clear violation of this statute, causing harm to my employment opportunities. Your failure to correct this error after my initial dispute is unacceptable.

Furthermore, the Sixth Circuit Court of Appeals in XXXX XXXX XXXX XXXX XXXX. 
reinforced that credit reporting agencies must ensure factual accuracy and avoid presenting information in a misleading manner that could adversely affect the consumer. 
Reporting technically accurate yet misleading information violates the FCRA 's requirement to " follow reasonable procedures to assure maximum possible accuracy. '' 2. 15 U.S.C. 1681n Civil Liability for Willful Noncompliance Given your failure to comply with the FCRA after my first dispute, I am now seeking punitive damages as permitted under this provision. If this issue is not resolved immediately, I will pursue legal action to recover damages for your willful noncompliance. 
Requested Actions To rectify this matter, I demand the removal of the inaccurate and incomplete items/accounts listed below : 1. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX  2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. Code 1681 ( C ) -Time Limits on Negative Information Outdated Unfair and Harmful Credit Reporting Practices XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. There is some inaccurate information reporting. 
XXXX Account XXXX : XXXX 10. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. There is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
14. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX Account Number : XXXX Please remove it from my credit report. 
15. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. 15 U.S. Code 1681 ( C ) -Time Limits on Negative Information Outdated Unfair and Harmful Credit Reporting Practices XXXX Account Number : XXXX Please remove it from my credit report. 
17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX  Account Number : XXXX Please remove it from my credit report. 
Legal Liability and Damages for Non-Compliance If this incomplete and inaccurate information is not removed or corrected as per FCRA requirements, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Pursue legal action against the furnisher and credit reporting agencies under : 15 U.S.C. 1681n Willful noncompliance ( Statutory damages up to {$1000.00} per violation, plus punitive damages ).

15 U.S.C. 1692k FDCPA violations ( Actual damages, statutory damages up to {$1000.00}, plus attorney fees ). 
Additionally, I am sending this letter via certified mail to protect my rights and document your response. 
Final Demand I expect written confirmation within 30 days verifying that these accounts have been permanently deleted from my credit file. Additionally, I demand an updated copy of my credit report reflecting this removal, and that you send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Furthermore, I am keeping a careful record of your actions, including your Method of Verification ( MOV ). I do not consent to E-OSCAR or any means of automated verification. 
Failure to comply will result in immediate escalation, including legal and regulatory action. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief