Consumer complaint received 2025-02-17 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information and Request for Payment of Violations To Whom It May Concern, I am writing to dispute the inaccurate information reported on my credit file by XXXX XXXX XXXX XXXX regarding the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX regarding the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Both accounts lack a full account number which is the first violation! These account were charged off by the original creditor, and the information was sold to a collection agency without my consent or acknowledgment. The collection agency, which is now reporting the debt, does not have a binding contract with me, as I never signed any agreement with them. 
This situation violates several provisions under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act. Specifically, the following legal provisions have been violated : 15 U.S.C. 1681 ( q ) The unauthorized disclosure of private information, as well as the improper sale or transfer of my information to third parties without my consent, is prohibited under this section. The creditor and collection agency 's actions in this case constitute a direct violation of my privacy rights. 
15 U.S.C. 1666b Under this provision, the original creditor has failed to provide proper notification and validation of the debt after charging off the account. In doing so, they are in violation of required standards set forth for handling debt accounts and their sale to third parties. 
15 U.S.C. 1681i According to this section, when I dispute inaccurate information on my credit report, you are required to conduct a reasonable investigation to verify its accuracy. As the information provided by the collection agency is unverifiable, your failure to ensure its accuracy constitutes a violation of this section. 
15 U.S.C. 1681s-2 Under this section, furnishers of information ( in this case, the collection agency ) are legally obligated to provide accurate information to credit reporting agencies. The collection agencys reporting of this debt, despite having no binding contract with me, is inaccurate and therefore violates this provision of the FCRA. 
Due to these violations, my credit report has been impacted by inaccuracies that have caused significant statutory damages, including but not limited to higher interest rates, denial of credit, and emotional distress. The presence of this inaccurate information on my report has caused me tangible harm, as I have been unable to access credit on favorable terms and have suffered from the stress and frustration of dealing with these errors. 
As a result of the aforementioned violations, I am requesting the immediate removal of the incorrect collection account from my credit report. Additionally, I am requesting compensation for each violation, as authorized under the FCRA. I am entitled to a payment of {$1000.00} per violation for each of the aforementioned violations. Therefore, I am requesting a payment of {$1000.00} for each violation found in the reporting of this account by the collection agency. 
Please respond to my request within the next 30 days with confirmation of the correction and compensation. Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking further legal action as necessary. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief