Product: Credit reporting or other personal consumer reports

Complaint Description : On XX/XX/year>, I visited Equifaxs physical office in XXXX, GA, to exercise my federally protected right to obtain my Complete Consumer File Disclosure under 15 U.S.C. 1681g, as well as other legally required records related to my disputes.

I requested the following : Complete Consumer File Disclosure ( NOT a standard credit report ) Internal dispute notes, memos, and logs tied to my name Every Automated Consumer Dispute Verification ( ACDV ) form sent to furnishers regarding my disputes All records tied to my FTC Identity Theft Report submitted via certified mail ( Tracking : XXXX XXXX XXXX XXXX XXXX XXXX ) Every dispute response letter Equifax was legally required to send me under 15 U.S.C. 1681i A log of every time my file was accessed, when, why, and by whom Every reinsertion notice for previously deleted fraudulent accounts A written explanation for why Equifax falsely claimed my ID and Social Security Card were ineligible despite being accepted by Experian and TransUnion A written explanation for why my online disputes show as unavailable blocking my right to dispute under 15 U.S.C. 1681i A written explanation for why some fraudulent accounts were removed while others were left, despite receiving the same proof for all Instead of complying with federal law, the Equifax representative refused to provide ANY of these documents and falsely claimed : You need a subpoena to obtain these records. ( FALSE These are required under 1681g and 1681i. ) I can only provide a credit report, fraud alert additions/removals, and security freezes. ( FALSE Equifax is legally required to maintain and disclose the complete consumer file. ) We did not receive your FTC Identity Theft Report. ( FALSE Equifax issued Case # XXXX and Confirmation # XXXX, proving receipt. ) When I confronted the representative about these contradictions, she became hostile, refused to provide her last name, and threatened to call security. 

Legal Violations Committed by Equifax 1. Violation of 15 U.S.C. 1681g Failure to provide my Complete Consumer File Disclosure 2. Violation of 15 U.S.C. 1681i Failure to reinvestigate disputes and provide dispute responses 3. Violation of 15 U.S.C. 1681c-2 Failure to block fraudulent accounts after receiving an FTC Identity Theft Report 4. Failure to provide reinsertion notices for fraudulent accounts placed back on my credit file 5. Intentional stalling tactics, misleading responses, and obstruction of consumer rights This obstruction has directly caused financial harm, preventing me from securing business funding for my company, denying me access to credit, and causing severe emotional distress due to their refusal to follow federal law. 

Demand for Resolution I demand : Immediate release of my Complete Consumer File Disclosure, including all dispute records and access logs Full removal of all fraudulent accounts and reinsertion records A full investigation into Equifaxs illegal refusal to comply with the FCRA Punitive damages for willful noncompliance and obstruction of my rights Equifax is intentionally violating federal law and causing me significant financial harm. I am prepared to escalate this to legal action if this matter is not immediately resolved!

Equifax, Experian, and TransUnion have received multiple formal complaints from the CFPB regarding my identity theft case, but they have failed to respond or take action. They are willfully obstructing my ability to correct fraudulent information on my credit report. I am requesting an immediate federal investigation into their practices and potential deceptive business conduct.

I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) including : Illegal reinsertion of fraudulent accounts after prior deletion.

Failure to block fraudulent accounts despite receiving an FTC Identity Theft Report.

False claim that all fraudulent items had been removed, yet recent reports show reinserted accounts.

Preventing me from obtaining business funding due to inaccurate reporting.

Experian is violating my federally protected rights and has caused me financial harm, stress, and XXXX