Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT URGENT ESCALATION - CONTINUED WILLFUL NON-COMPLIANCE Date : [ XX/XX/year> ] Prior Complaint Reference : # XXXX CONSUMER INFORMATION : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City/State/ZIP : XXXX, CA XXXX COMPLAINT AGAINST XXXX Equifax Information Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX NATURE OF COMPLAINT : Escalating Pattern of Willful Non-Compliance with FCRA Requirements I. LATEST VIOLATION On XX/XX/year> ( Reference : XXXX ), Equifax sent another non-compliant response that : 1. Ignored Valid Identity Theft Reports o Multiple FTC reports filed and submitted o No acknowledgment of reports o No investigation conducted 2. Used Evasive Form Letter o Merely sent CFPB pamphlet o No substantive response o No required investigation o No blocking of information 3. Failed to Address Prior Complaints o No reference to previous submissions o No explanation of contradictory responses o No acknowledgment of data breach connection II. PATTERN OF ESCALATING VIOLATIONS A. Previous Non-Compliant Responses : 1. Claimed dispute was " frivolous '' 2. Claimed unable to locate file 3. Refused to block information 4. Sent contradictory form letters 5. Failed to investigate claims B. Statutory Violations : 1. FCRA 605B o Failed to block information within 4 days o No valid reason provided for non-blocking o Ignored identity theft documentation 2. FCRA 611 o No proper investigation conducted o Failed to verify accuracy o Ignored submitted evidence 3. FCRA 623 o Continued reporting disputed information o Failed to validate accuracy o Willful non-compliance III. AGGRAVATING FACTORS 1. Equifax Data Breach Connection o My personal data was " impacted '' by breach o Equifax confirmed this impact o Clear connection to current identity theft o Refusal to acknowledge their role 2. Pattern of Evasion o Multiple form letters o Contradictory responses o No substantive investigation o Failure to follow law 3. Willful Non-Compliance o Knowing violation of FCRA o Repeated failures to comply o Escalating pattern of evasion IV. CONSUMER HARM 1. Direct Impact o Continued reporting of fraudulent information o Credit score damage o Denial of credit opportunities o Financial losses 2. Ongoing Harm o Continuing identity theft risk o Time spent addressing violations o Emotional distress o Professional impact 3. Future Impact o Continued credit damage o Ongoing identity theft risk o Potential financial losses o Career implications V. REQUESTED ACTIONS 1. Immediate Intervention o Order immediate blocking of information o Require proper investigation o Mandate compliance with FCRA 2. Enforcement Action o Maximum statutory penalties o Supervisory intervention o Compliance monitoring o Corrective action plan 3. Systemic Review o Identity theft procedures o Investigation practices o Response protocols o Staff training VI. DOCUMENTATION ATTACHED XXXX. XX/XX/year> Form Letter 2. Previous Correspondence 3. FTC Identity Theft Reports 4. Previous CFPB Complaints 5. Equifax Data Breach Notification 6. Credit Report Copies 7. Evidence of Damages VII. PATTERN OF HARM This latest violation demonstrates : 1. Escalating non-compliance 2. Intentional disregard of law 3. Pattern of consumer harm 4. Need for immediate intervention REQUEST FOR EXPEDITED REVIEW : Given the escalating pattern of violations and clear willful non-compliance, I request expedited review and immediate intervention to prevent further harm.

AUTHORIZATION : I authorize the CFPB to : 1. Share this complaint with other agencies 2. Take enforcement action 3. Contact me for additional information 4. Review all submitted documentation I declare under penalty of perjury that all information provided is true and correct to the best of my knowledge and belief.