Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Equifax Legal Department [ Equifax 's Address ] [ City, XXXX, Zip Code ] Subject : Urgent Formal Complaint Regarding Unauthorized Opening of Disputes and Willful Noncompliance To Whom It May Concern, I am writing to formally address a serious and urgent issue concerning my credit file that requires immediate attention. I urge the responsible parties at Equifax to personally address this concerning matter, as my ongoing experiences reveal a pattern of misconduct that can not be adequately handled by automated responses or artificial intelligence systems.

I have encountered a situation in which Equifax has repeatedly opened disputes on my credit report without my authorization. On XXXX XXXX, I received **10 correspondence letters** asserting that I had opened too many disputes within 90 days. However, these disputes were initiated solely by Equifax, not by me. Furthermore, Equifax has been in willful noncompliance for several months regarding my requests for verification and rectification of my credit file.

In the past two months alone, I have received more than **25 letters** from Equifax regarding these disputes, yet none of these communications adhere to the strict requirements set forth by the **Federal Trade Commission ( FTC ) **, the **Fair Credit Reporting Act ( FCRA ) **, or the **Fair Debt Collection Practices Act ( FDCPA ) **. These unauthorized disputes have opened without the necessary documentation or compliance with proper procedures, and the correspondence lacks the specificity and detail that a human representative must provide during a proper investigation.

The most troubling aspect of this situation is the ongoing demand for verified identificationinformation that I have already provided and which you must have on record. This repeated request for the same documentation indicates a lack of diligence and respect for my consumer rights.

As a consumer, I believe it is essential for financial institutions to adhere to guidelines and practices that foster transparency and accountability. To assert my rights, I cite the following relevant statutes and regulations : 1. **Fair Credit Reporting Act ( FCRA ) ** : Under ** 611 ( 15 U.S.C. 1681i ) **, consumers are entitled to accurate reporting. Your failure to honor my requests for verification and updates constitutes a breach of the FCRA.

2. **Consumer Financial Protection Bureau ( CFPB ) ** Guidelines : The CFPB mandates transparency and fair treatment of consumers, especially in the resolution of credit disputes. Your actions reflect an alarming pattern of willful noncompliance as defined by these guidelines.

3. **Fair Debt Collection Practices Act ( FDCPA ) ** : The requirements under ** 807 ( 15 U.S.C. 1692e ) ** specify that misleading representations in debt collection are prohibited, and your recent actions reflect a failure to comply with this statute.

4. **Supreme Court Precedents** : In XXXX XXXX XXXX XXXX XXXX XXXX, the court reinforced the principle that consumers must have the right to accurate and rectified information in their credit reports. Additionally, XXXX XXXX XXXX XXXX highlights the necessity for companies to follow legal mandates for updating consumer information accurately.

In light of these violations, I demand compensation in the amount of XXXX XXXX XXXXXXXX. This figure is justified based on the **10 correspondence letters** received today, along with the additional **25+ letters** over the past two months. Your failure to resolve these matters has resulted in significant distress and inconvenience.

It is imperative that this issue be addressed by a qualified human representative who is equipped to provide the necessary explanations, documentation, and resolutions. Automated responses will not suffice, as they do not adequately resolve the complexities of my situation.

I greatly appreciate your immediate attention to this matter and expect a comprehensive response within **30 days**. Failure to take appropriate action will compel me to escalate this complaint to both the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **, as well as seek legal counsel to explore further options.

Thank you for your cooperation. I look forward to your prompt and direct response. 

Sincerely, XXXX XXXX XXXX ENCLOSED TO PREVENT OR PURPORT ANY FURTHER HINDRANCE OR DELAY, AGAIN, is my last years W-2 with complete SSN from current employer, current lease, paycheck stub, long and short form birth certificates.

Company response to consumer: Closed with explanation