Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Amended Consumer Financial Protection Bureau ( CFPB ) Complaint XXXX Submitted to the CFPB on XX/XX/XXXX WHEREAS : Equifax, received the said documents on XX/XX/XXXX and accepted by XXXX XXXX , USPS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( SEE Attachments Exhibit A ) .and updated Consumer Report on XX/XX/XXXX Confirmation No. XXXX ( SEE Attachments Exhibit B ). On or about XX/XX/XXXX I received a letter from Equifax stating that they are unable to locate credit file. ( SEE Attachment Exhibit C ) Equifax, has always filed false claims on consumer reports without written consent or properly certified documents and/or notifications to the consumer. To dispute information on a consumer report, it is required to prove their claim of improper errors. I submitted a copy of my Drivers License, SSI Card and XXXX proof of residence ( Electric bill, Vehicle Registration ). It's a requirement of Equifax. Once again I will resubmit, I will upload them to the CFPB Portal as evidence. 
12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices Text contains those laws in effect on XX/XX/XXXX Equifax, intent is Unfair, deceptive, or abusive acts and practices ( XXXX  ) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Under The XXXX XXXX, it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. The Act also provides CFPB with rule-making authority and, with respect to entities within its jurisdiction, enforcement authority to prevent unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. In addition, CFPB has supervisory authority for detecting and assessing risks to consumers and to markets for consumer financial products and services. 
31 USC 3729 : False claims Text contains those laws in effect on XX/XX/XXXX WHEREAS : Equifax, knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government. 
XXXX. False claims ( a ) Liability for Certain Acts.- ( 1 ) In general.-Subject to paragraph ( 2 ), any person who- ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim ; ( C ) conspires to commit a violation of subparagraph ( A ), ( B ), ( D ), ( E ), ( F ), or ( G ) ; ( D ) has possession, custody, or control of property or money used, or to be used, by the Government and knowingly delivers, or causes to be delivered, less than all of that money or property ; ( E ) is authorized to make or deliver a document certifying receipt of property used, or to be used, by the Government and, intending to defraud the Government, makes or delivers the receipt without completely knowing that the information on the receipt is true ; ( F ) knowingly buys, or receives as a pledge of an obligation or debt, public property from an officer or employee of the Government, or a member of the Armed Forces, who lawfully may not sell or pledge property ; or ( G ) knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government, is liable to the United States Government for a civil penalty of not less than {$5000.00} and not more than {$10000.00}, as adjusted by the Federal Civil Penalties Inflation Adjustment Act of 1990 ( 28 U.S.C. 2461 note ; Public Law 104-410 ), plus XXXX  times the amount of damages which the Government sustains because of the act of that person.

Company response to consumer: Closed with explanation