Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8196298
Complaint Overview
Complaint ID: 8196298
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 90805
Date Received: 2024-01-21T12:00:00-05:00
Date Sent to Company: 2024-01-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to bring to your attention certain discrepancies and violations of federal laws related to consumer reporting, specifically governed by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, 15 U.S. Code 6802, and 16 CFR 313. I request your assistance in rectifying the issues outlined below. Requesting {$1000.00} each of which is {$3000.00} I am opting out of any and all obligations to Report to any and all third parties! 15 U.S.C. 1681 a 1 ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. They are in violation of Privacy Act of XXXX Violation Per 15 USC 1681 ( b ) - Reasonable Procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Requesting {$1000.00} Violation Per 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Consumer reporting agencies are allowed to furnish consumer reports only under specific circumstances, as outlined in this statute. I bring to your attention subsection ( a ) ( 2 ), which emphasizes that such reports may be provided only in accordance with the written instructions of the consumer to whom it relates. Requesting {$1000.00} Violation 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods Requesting {$1000.00} Violation Per 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information : Reaquesting {$1000.00} Violation Per 16 CFR 313 - Privacy of Consumer Financial Information : Requesting {$1000.00} I have identified discrepancies in my consumer reporting information that require immediate attention. I request the following actions : A Charge off is a certificate of indebtedness in which is considered income and must be removed! Removal of all Non-Mailable Addresses Removal of All Inquiries Removal of All Collections Removal of All Late Payments Removal of Utilization Percentages Removal of Employment Information Removal of All Charge Offs Removal of All Fraud Victim Alerts Update all history to paid as agreed Equifax Account Information : Remove Fraud Victim " Extended Alert '' Account : Reported Date : XX/XX/XXXX Expiration Date : XX/XX/XXXX Remove Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request a thorough investigation into the accuracy of the above information and prompt corrective actions to bring my consumer reports into compliance with the FCRA and other relevant laws 15 U.S. Code 1681 - Congressional findings and statement of purpose, Requesting {$1000.00} 15 U.S. Code 6803 - Disclosure of institution privacy policy, Requesting {$1000.00} Per 15 U.S. Code 1681n - Civil liability for willful noncomplianceRequesting {$1000.00} Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments.Charge offs are considered debt per IRS Publication 15 U.S. Code 1692e - False or misleading representations- Collection accounts- Requesting {$1000.00} I am requesting {$1000.00} per violation a total of {$12000.00} Please have all three credit reporting agencies to send to me the {$12000.00} each 15 U.S. Code 6805 - Enforcement U.S. Code Federal Trade Commission
Frequently Asked Questions
What is Complaint #8196298 about?
Complaint #8196298 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-01-21T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.