Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against all three major credit reporting agenciesEquifax, XXXX, and XXXX their failure to correct inaccurate personal information on my credit reports despite my repeated attempts to resolve this matter. The inaccurate information reported by these agencies is not only a violation of federal law but also continues to harm my ability to maintain a fair and accurate credit profile.

I demand immediate removal of all inaccurate personal information and compliance with federal regulations mandating accuracy and verification.

Violations of Federal Law The credit reporting agencies have failed to comply with several federal laws regarding accurate and verifiable reporting, including but not limited to : 1. 15 U.S. Code 1681i Procedures in Case of Disputed Accuracy Under this statute, credit reporting agencies are required to investigate disputes thoroughly and correct inaccurate information. Despite providing clear documentation of my correct personal information, the agencies have failed to rectify these inaccuracies. This constitutes a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ).

2. 15 U.S. Code 1681e ( b ) Compliance to Ensure Maximum Possible Accuracy Credit reporting agencies are legally obligated to ensure maximum possible accuracy of all information reported. The continued presence of incorrect personal details on my credit file indicates their failure to meet this standard.

3. 15 U.S. Code 1692e False or Misleading Representations Reporting inaccurate personal information on my credit file amounts to a false representation of my identity. This misrepresentation creates unnecessary obstacles for me in maintaining my financial reputation.

4. 15 U.S. Code 1692f Unfair Practices in Debt Collection The failure to accurately report my personal information can result in incorrect or unfair collection actions against me, creating additional financial and emotional distress.

5. Truth in Lending Act ( TILA ) Accurate and verifiable credit reporting is essential to ensure fair lending practices. Inaccurate personal information undermines my ability to obtain fair credit terms, in violation of the principles outlined in TILA.

6. 15 U.S. Code 1681n Civil Liability for Willful Noncompliance The repeated failure of these agencies to correct the inaccuracies after being notified demonstrates willful noncompliance with the FCRA, making them liable for damages.

Impact of Inaccurate Reporting The failure of the credit reporting agencies to maintain accurate and verifiable information has caused significant harm, including : Credit Denials : Incorrect personal information undermines my credibility and leads to unwarranted denials of credit applications.

Identity Verification Issues : The inaccurate information has caused unnecessary delays and complications in financial and personal matters requiring identity verification.

Emotional Distress : The continued presence of incorrect information has caused stress and frustration as I attempt to rectify these issues.

Company response to consumer: Closed with explanation