Equifax Credit Reporting Complaint

Equifax Credit reporting department,

Incorrect information on credit report Account status California

Dear Sir or Madam : I am seeking your help to enforce Sec. - of the Credit Card Accountability Responsibility and Disclosure Act of -. I suffered monetary loss of $96000.00 in higher interest payments that will occur over the life of my home mortgage from incorrect information reported by - - to -, -, and -. I have disputed this information multiple times with - -, -, and Equifax. While - - could not provide any evidence to prove that the information is correct, - - continue claiming that the information is correct. - - reported - late payments to credit reporting agencies as shown in Exh. 1 : The late payment reported in - -. The late payment reported in - -.


- - e-statement delivery system had not sent me any emails for billing statements in - and -. Though during the same period, I had received marketing emails from - - and Class Action Settlement emails. I had reported this problem to Customer Service and - - - ( Exh. - ) and asked - - to send test emails ; however, - - did not have any reasonable procedures in place to resolve the problem. In a phone conversation with - - - on -/-/-, - - said that I could have checked the balance online, called Customer Service or gone to the store, and she made no attempt to check - - system. In another phone conversation with - - on -/-/-, I informed her that - - - had not sent me e-statements either but fixed the problem after I reported the problem to customer service. I also told her that I had received complaints from my company 's customers regarding not receiving e-statements as well. After diligent investigation, we found out that our company 's new system did not send e-mail notification to customers automatically when a billing statement was created. However, - - still did not conduct any investigation even though she did not have any evidence of sent emails. She closed the case based on that statements were created ( Exh. - ) and never responded to my requests for evidence of sent emails ( Exh. - ). In addition to problems with e-statements deliveries, - - also had problem with its automated calling system which I also reported to - - ( Exh. - ). From -/-/- to -/-/-, - - made 23 failed calls. I answered 4 calls from - but nobody was on the caller side. I received 19 voicemails from - but the voicemails were only 1-2 seconds long and no messages were left. From -/-/- - -/-/-, I received 11 voicemails from - and - but again the voicemails were only 1-2 seconds long and no messages were left. Even though - - automated calling system failed, - - still did not check its e-statement delivery system. In a phone conversation with - - on -/-/-, - - said - - is not required to call me about the payment due. However, she could n't answer what - - procedures are in the event that its e-statement delivery system fails. There is an unfair information and resource imbalance between - - and consumers. Thus - - needs to have a high level of standard when providing negative information that damages a consumer 's credit score. Based on the unreliable e-statement delivery and automatic calling system, and lack of reasonable procedures in place to resolve customers ' complaints, I believe that they have not met the standard required by the law. Please see Exhibit - for other consumers who have complaints against - - for the same issues.