Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
-- - This complaint, as with the others I have submitted, is explicitly not a dispute regarding any accounts. Rather, it is a call for accountability and a demand for the production or deletion of information as mandated by the Fair Credit Reporting Act ( FCRA ) regarding the METHOD OF VERIFICATION. 

I would like to express that any further attempts or actions to open disputes without my explicit consent will be considered a further breach and violation of my rights. Additionally, any further statements or placements of verification on accounts that are currently under investigation will also be viewed as a willful violation of the False Claims Act. 

It is imperative that my rights are recognized and respected in this matter. 

-- - [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] [ COMPLIANCE DEPARTMENT ] [ EQUIFAX, EQUIFAX LEGAL ] [ XXXX XXXX XXXX XXXX, GA XXXX **Re : Notice of Intent to Litigate Violations of the False Claims Act, FCRA, FDCPA, and FTC Guidelines** Dear [ COMPLIANCE DEPT ], I hope this letter finds you well. I am writing to formally notify you of my intention to pursue litigation regarding ongoing and serious violations associated with the following complaint IDs related to EQUIFAX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These complaints were filed with the Consumer Financial Protection Bureau ( CFPB ) between XX/XX/XXXX and XX/XX/XXXX, and CITE breaches of the False Claims Act, the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable FTC guidelines. 

The issues raised in my complaints include : 1. **Lack of Verification for Disputed Tradelines** : Despite my repeated requests for a proper method of verification concerning a tradeline marked as " verified '' with XXXX XXXX XXXX EQUIFAX has failed to provide the required documentation, violating FCRA requirements.

2. **Inappropriate Reporting by World Acceptance** : While I ACKNOWLEDGE that the false reporting by World Acceptance was removed last month through the intervention of the above agencies, this does not absolve EQUIFAX of its accountability and responsibility. The allowance of this false reporting for over six years has caused me significant harm and distress. I am therefore demanding compensation in the amount of {$50000.00} based on the number of violations, willful non compliance and for the emotional, financial, and reputational damages incurred. 

3. **Inadequate Responses to Complaints** : I have received over 60 pieces of correspondence from EQUIFAX at my listed address. However, only a minority of these communications acknowledged the existence of a credit file with EQUIFAX. This inconsistent response further refutes EQUIFAX 's claims regarding my credit file status and its requests for further identification verification, despite my accurate and verifiable information ( XXXX A XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA, XXXX ). 

The discrepancies and failures outlined above are not merely administrative oversights ; they represent violations of federal laws and protections, including : - **Fair Credit Reporting Act ( FCRA ) ** : 15 U.S.C. 1681, which mandates the responsible dissemination of credit information and accurate reporting.

- **Fair Debt Collection Practices Act ( FDCPA ) ** : 15 U.S.C. 1692, which prohibits the abusive, deceptive, and unfair practices of debt collection agencies.

- **Federal Trade Commission ( FTC ) Guidelines** : As stated in various rulings, including the case of **FTC v. Consumer Defense**, which emphasizes the accountability of consumer reporting agencies to the integrity of the data provided. 

Given the substantial volume of correspondence and the serious nature of the inaccuracies and violations in question, I seek compensation for damages, supported by applicable statutes and case law under the FCRA, FDCPA, and FTC guidelines. 

I demand that EQUIFAX take immediate corrective actions regarding the serious issues raised. Should I not receive an adequate response within 14 days of the date of this notice, I will not hesitate to escalate this matter through arbitration and further litigation to seek redress for the violations and inaccuracies I have endured. 

This is a serious matter, and I expect your prompt attention. 

Thank you for your cooperation. 

Sincerely, [ XXXX XXXX ] Copy by 1st Class mail will follow. 

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Company response to consumer: Closed with explanation