Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Civil Liability Negligent Non-Compliance under 15 U.S.C. 16810 Dear [ CFPB ], I am writing to formally dispute my civil liability concerning XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. XXXX date : XX/XX/XXXX cr XXXX XXXXXXXX via XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. XXXX date : XX/XX/XXXX cr XXXX XXXX acceptance XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX cr corelogic XXXX XXXX lennar mortgage llc >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX cr advantage XXXX clear mortgage capit >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry date : XX/XX/XXXX cr XXXX  XXXX bank XXXX XXXX XXXX XXXX The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. XXXX date : XX/XX/XXXX cr cisco XXXX barrett financial gr >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFA based on negligent non-compliance as outlined in 15 U.S.C. 16810 of the Fair Credit Reporting Act ( FCRA ). 



Upon reviewing the matter, I have identified that Equifax as a consumer reporting agency has not done a thorough investigation into matters that are negatively impacting my credit score. This negligent non-compliance has resulted in financial harm, credit score damage, emotional distress, and inability to qualify for loans, lines of credit, mortgages. I've attached a FTC report for identity theft that I personally experienced. 



Under 15 U.S.C. 16810, entities responsible for handling consumer information must exercise due diligence and comply with FCRA requirements to ensure accuracy, fairness, and privacy in consumer reporting. The failure to meet these obligations constitutes negligent non-compliance, for which civil liability XXXX be pursued. 



To resolve this issue, I formally request the following actions : 1. Immediate correction and/or removal of the erroneous information.

2. A written confirmation detailing the corrective measures taken.

3. Compensation for damages caused by this negligent non-compliance, if applicable. 



Please consider this letter a formal notice of dispute. If this matter is not resolved within the legally required timeframe, I am prepared to pursue further legal action, including seeking damages as allowed under FCRA provisions. 



I request a written response within [ provide a reasonable timeframe, such as 30 days ] from the date of this letter. Please send all correspondence to my address above or via email at [ your email ]. 



Thank you for your prompt attention to this matter. I look forward to your response and a resolution to this issue. 



Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation