Consumer complaint received 2024-12-11 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:
-- - [ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX  XXXX ] [ XXXX, Ga, XXXX ] XXXX ] [ XXXX ] [ XXXX ] [ EQUIFAX COMPLIANCE DEPARTMENT ] [ XXXX COMPLIANCE DEPARTMENT ] **Subject : Notice of Violation of Rights and Demand for Amicable Arbitration Resolution** Dear [ XXXX XXXX DEPARTMENT ], [ EQUIFAX COMPLIANCE DEPARTMENT ] I am writing to formally notify you of violations of my rights under the Fair Credit Reporting Act ( FCRA ) and to request an amicable resolution through arbitration regarding inaccuracies present in my credit report. **Details of Violation : ** 1. **Inaccurate Information Identified : ** On [ XXXX ], I discovered inaccuracies in my credit report that are materially affecting my creditworthiness and financial opportunities. These discrepancies have persisted despite my efforts to dispute them, as outlined by the FCRA. 2. **Insufficient Investigation : ** The FCRA mandates that credit bureaus carry out thorough investigations into reported disputes. My previous disputes, along with supporting documentation provided, have not been adequately addressed. This lack of proper investigatory action undermines my right to an accurate credit report. 3. **Indications of False Claims : ** Additionally, I suspect that false claims may exist within my credit report, which raises concerns under the False Claims Act. This legislation emphasizes the obligation to report truthful information, and I believe that false representations regarding my creditworthiness could have severe ramifications. 4. **Potential Damages and Responsibilities : ** As stated in the FCRA, I understand that I have the right to recover damages resulting from these inaccuracies, including potential legal costs and compensation for harm to my financial reputation. I urge you to acknowledge your responsibilities in this regard. 5. **Consumer Rights Protection : ** Federal law is designed to protect consumers from inaccurate reporting and fraudulent claims. It is crucial that credit reporting agencies uphold these standards to maintain trust in the credit system. **Demand for Resolution : ** Given these findings, I demand the following actions : - A swift and comprehensive investigation into the disputed information in my credit report, consistent with the requirements of the FCRA XXXX - The removal of any inaccuracies identified that do not comply with these standards. - A detailed written explanation of the results of your investigation and any measures taken to rectify the inaccuracies. - Consideration of my request for amicable arbitration to resolve this matter efficiently, thereby avoiding the need for potential legal action. Please respond to this notice within [ 15 days ] to facilitate an effective resolution to this matter. Thank you for your prompt attention. I look forward to your timely response and to resolving this issue amicably. Sincerely, [ XXXX XXXX ] -- - LIST OF DISPUTES AND VIOLATIONS 1. STUDENT LOANS IN CLOSED AND TRANSFERRED STATUS DUE TO LITIGATION : VERIFIED BY REMOVAL OFF XXXX REPORT 2. 81 months inaccurate and knowing reckless disregard for the truth in reporting month to month accruing balances to alleged accounts charged off and closed. Even after being aware and alerted to fraudulent deferment for payment status being added to alleged loan/debt/ VERIFIED BY REMOVAL FROM XXXX REPORT 3 resubmitted previously disputed and removed information ; EQUIFAX allowed XXXX  XXXX claim of alleged loan/ debt to be resubmitted by XXXX XXXX XXXX ; without a legal expectation being submitted, nor present. 4. XXXX XXXX consistently being updated and verified without the proper support of verification of debt and the method of verification being presented to me as demand several times ; as is my right per FCRA and FDCPA. As well as abusive statements of collects being placed mid investigation ; while alleged account is not currently in a collection statues with a open past due amount being displayed/ VERIFIED BY DISCREPANCIES AND LACK OF PERTINENT REQUIRED INFORMATION ACROSS 3 reporting bureaus. 5. EQUIFAX has hindered me from being extended credit as well as viewing and disputing my own personal credit file. By altering and or knowingly and with reckless disregard after FTC IDENTITY THEFT REPORT, failure to remove and or update accurate personal information and addresses. Which stops and hinders me from calling in and verifying myself. XXXX XXXX XXXX nor XXXX are accurate information ; which can be verified from XXXX and XXXX REPORTS. VERIFIED BY LACK OF UP TO DATE ACCOUNTS LENGTH OF CREDIT HISTORY. VIEW OF 3 REPORTS WILL SEE THE MALICIOUS DISREGARD FOR UP TO DATE ADDITION AND REMOVAL OF INFORMATION AND ACCOUNTS. 6. After 2 months of complaints thru the CFPB, I have yet to receive a call, correspondence, email, or investigation document from either company in response to my complaints, VERIFIED BY LENGTH AND NUMBER OF UNRESOLVED FEEDBACK FROM CFPB COMPLAINTS 7. Using resources to send delaying and repeated automated responses via email and correspondence for identity verification to my current address but still reckless reporting an address Ive listed as fraud as my current address ; as well as current job/ VERIFIED BY 30+ emails and correspondence letters. Some dated the same 3-4 times in one day. 8. Malicious harm to my credit file and creditworthiness by opening and closing said charged off closed account with fraudulent deferment code applied. EQUIFAX had done this numerous times causing XXXX point drops in my score. This is in retaliation for my disputes and complaints to CFPB and other regulatory agencies. 9. Twice because of said reopening and closing of charged off closed account my report as showed current late payments of XXXX and XXXX. Causing both my business ventures as well as personal ventures to be hindered, delayed, and or outright cancelled. Im currently on short term XXXX ; almost a year now. A view of my credit report will show Ive not been one to abuse or stack my credit. So now in the time that I could use and rely on credit Im allowed and guaranteed by my rights as a living entity and being are being denied and revoked from me.. This is a serious matter. If not treated as such, I will exhaust every news medium, agency, and or court platform to see this matter brought to light and accountability.

Company response to consumer: Closed with explanation