Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax for egregious violations of the Fair Credit Reporting Act ( FCRA ), which have caused severe personal, financial, and emotional harm. As a XXXX veteran XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the consequences of Equifaxs negligence have been devastating, including homelessness, financial instability, and a significant decline in my health. I urge the CFPB to take immediate action to hold Equifax accountable and provide relief for the harm I have endured. 

Summary of Violations Equifax has repeatedly and knowingly reported false and unverified debts on my credit report. Despite clear evidence that these debts were unvalidated, Equifax continued to report this inaccurate information without proper verification. This constitutes a clear violation of the FCRA, specifically : XXXX. Failure to ensure accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ).

2. Inadequate investigation of disputes ( 15 U.S.C. 1681s-2 ( b ) ).

3. Continued reporting of disputed information without verification ( 15 U.S.C. 1681i ). 

When I disputed these entries, Equifax failed to conduct a proper investigation as required by law. Their actions have caused irreparable harm, including : - An illegal eviction based on false credit reporting, resulting in my homelessness. 
- Severe damage to my credit score, preventing me from securing housing, employment, and financial opportunities. 
- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX due to the stress and instability caused by Equifaxs negligence. 

Legal Basis for Recovery Under the FCRA, I am entitled to legal remedies for Equifaxs willful noncompliance. These include : 1. Compensatory Damages For the financial and emotional harm caused by Equifaxs actions, including housing instability, financial losses, and emotional distress.

2. Statutory Damages : For Equifaxs willful violations of the FCRA, as outlined in 15 U.S.C. 1681n.

3. Punitive Damages : To deter Equifax and other credit reporting agencies from engaging in similar misconduct in the future.

4. Corrective Actions : Immediate removal of all unverified debts from my credit file and written confirmation of the corrections made.

Request for CFPB Intervention Given the severity of the harm caused by Equifaxs actions, I respectfully request that the CFPB : 1. Investigate Equifaxs violations of the FCRA and enforce compliance with federal law.

2. Ensure Equifax removes all inaccurate and unverified debts from my credit file.

3. Require Equifax to provide written confirmation that my credit record has been corrected.

4. Pursue statutory and punitive damages on my behalf to compensate for the harm I have suffered and deter future violations.

Conclusion Equifaxs reckless disregard for the FCRA has caused profound harm to my life, health, and financial stability. I trust the CFPB will take swift and decisive action to hold Equifax accountable and ensure justice is served. Your prompt attention to this matter is critical to preventing further damage and protecting my rights as a consumer. 

Thank you for your time and assistance. I look forward to your response.

Company response to consumer: Closed with non-monetary relief