Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, This letter serves as official notice that companies XXXX Equifax and XXXX are in direct violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). Your blatant negligence in maintaining accurate credit reporting practices and failure to address previous disputes have resulted in significant harm, including the denial of credit cards and business funding opportunities. This will no longer be tolerated. 

The following FCRA violations have occurred due to your irresponsible and unlawful practices : Violation of 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy You are required by law to maintain reasonable procedures to ensure maximum possible accuracy in credit reporting. The false and inaccurate information you are reporting is a direct violation of this obligation. 

Violation of 1681i : Failure to Reinvestigate and Correct Inaccurate Information After receiving notification of disputed information, you are legally obligated to conduct a prompt and thorough reinvestigation and correct or delete any erroneous entries within 30 days. You have failed to meet this standard. 

Violation of 1681s-2 ( b ) : Reporting False and Inaccurate Information Furnishing knowingly inaccurate, false, or misleading information is a clear violation of 1681s-2. Your continued failure to correct these inaccuracies demonstrates a reckless disregard for consumer rights and federal law.

Violation of 1681c ( a ) : Failure to Remove Outdated and Unverifiable Information Under 1681c ( a ), you are required to remove outdated or unverifiable information from credit reports. Your failure to comply with this section further underscores your companys pattern of negligent behavior.

As a result of your violations, I have suffered financial damages and harm to my creditworthiness. I am demanding the immediate removal of all inaccurate, incomplete, and unverifiable information from my credit report within five ( 5 ) business days from the date you receive this letter.

Failure to comply within this timeframe will leave me no choice but to escalate this matter to legal action. I will seek full damages as provided under 1681n and 1681o of the FCRA, including actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorneys fees and costs.

Let this serve as your final warning. Any further failure to adhere to the law will result in immediate legal action. 

I expect written confirmation of the removal of all disputed items and correction of your records without delay. You have five business days to act accordingly.

No response will be interpreted as willful noncompliance, and I will proceed with legal measures without further notice. 

2 open accounts XXXX XXXX XXXX XXXX  {$470.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$840.00} Hard Inquiries XXXXXXXX XXXX ( Finance ) XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief