Consumer complaint received 2024-12-21 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Dispute Resolution Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Deletion of Inaccurate Credit Report Information Dear Equifax Dispute Resolution Team , This letter serves as a formal demand to delete the inaccurate information on my credit report immediately, pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable Pennsylvania state laws. Your failure to provide a satisfactory resolution to my recent CFPB complaint highlights significant compliance issues. The disputed items remain factually incorrect, unverifiable, or incomplete and must be removed without further delay. 

The specific accounts in question include : XXXX XXXX XXXX ( Account Number : XXXX ) Your response to my complaint states updates were made to fields such as Scheduled Payment, Past Due, and Account History. However, these updates are inconsistent with the accounts actual payment history and status. The ongoing reporting of charge-offs across multiple months is not only inaccurate but also misleading, violating FCRA 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) You claim this account is accurately reported, yet discrepancies persist in the historical account balances, payment schedule, and charge-off date. The reported information does not align with the data provided by the furnisher or the billing records I hold, rendering it unverifiable and noncompliant with FCRA 1681i ( a ) ( 5 ) ( A ).

Legal Basis for My Demands Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Under the FCRA, you are obligated to delete unverifiable or inaccurate information within 30 days of a dispute. Failure to comply subjects your agency to statutory damages, actual damages, and legal action.

Pennsylvania Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 ) : The ongoing misrepresentation of my financial obligations violates Pennsylvania state law, exposing your agency to additional liability.

My Demands I demand that the following actions be taken immediately : Delete the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts from my credit report due to their inaccuracies and unverifiable nature. 

Provide written confirmation that these items have been removed within 15 days of receiving this letter. 

Deliver a detailed explanation of the investigative process and specific evidence used to justify any continued reporting of these items if you refuse deletion. 

Consequences of Non-Compliance Failure to delete these items or provide sufficient evidence of their accuracy will result in : Filing of complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Pennsylvania Attorney Generals Office. 
Pursuit of legal remedies for violations of the FCRA and Pennsylvania state law, including claims for statutory and punitive damages. 

Escalation to federal and state oversight authorities to audit your compliance procedures. 

I will not tolerate further delays or evasions. You are required by law to act promptly and accurately, and I expect full compliance with my demands. If you need additional documentation, you may contact me at the information provided above. 

Sincerely, XXXX XXXX Enclosures : Credit Report with Highlighted Errors Supporting Billing Records

Company response to consumer: Closed with non-monetary relief