Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Demand for Immediate Removal of Inaccurate Account Information in Violation of 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau Representative and CFPB, I am writing to demand the immediate and permanent removal of inaccurate information related to a specific account currently reported in my credit file. This letter serves as a formal notice of violation under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 

Account Information : Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Balance Discrepancy : {$0.00} on XXXX and XXXX, {$3900.00} on Equifax According XXXX XXXX and XXXX, this account shows a {$0.00} balance, while Equifax inaccurately lists a balance of {$3900.00}. This inconsistency is not only misleading but also a direct violation of 15 U.S.C. 1681e ( b ), as it reflects a failure to ensure that information provided in my consumer report is accurate, complete, and up-to-date. 

The inaccurate reporting of this account and balance has caused significant harm to my creditworthiness and places an undue burden on my financial reputation. I demand the immediate and permanent removal of this account from all of my credit files. 

Specific Violations Include : 1. Violation of 15 U.S.C. 1681e ( b ) : Failure to establish reasonable procedures for maximum possible accuracy in consumer report information.

2. Failure to Ensure Accuracy and Completeness in Reporting : Under FCRA requirements, this misreporting violates my consumer rights and damages my financial standing.

Requested Actions : 1. Immediate and Permanent Removal of the Inaccurate Account from Equifax, XXXX, and XXXX : This action must be executed without delay, in accordance with FCRA requirements. 
2. Confirmation of Account Removal : Please provide a written confirmation that this account has been permanently removed from all my credit files.

3. I demand compensation in the amount of {$1000.00}, per XXXX XXXX XXXX. 

The check can be mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] This matter is of utmost urgency, and I expect resolution within the timeframe outlined by the FCRA and USC regulations. If this request is not fulfilled, I will escalate the issue, including filing a formal complaint with the CFPB and pursuing additional legal recourse under federal law. 

Thank you for your immediate attention to this serious matter. Please confirm receipt of this letter and provide written verification of the permanent removal of this inaccurate account. 

Sincerely, XXXX XXXX : XXXX

Company response to consumer: Closed with explanation