Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

NOTICE OF DEFAULT OPPORTUNITY TO CURE/ NOTICE TO SUE Subject : Complaint Regarding Equifax 's Abuse and Attempted Stalling of Allotted Time as Per Consumer Protection Laws ( Section 611 of the FCRA ( 15 U.S.C . 1681i ) '' reasonable period ''? 
Dear Sir/Madam, I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their abusive practices and deliberate attempts to obstruct and delay the resolution of my dispute, in violation of consumer protection laws. It has come to my attention that Equifax has engaged in deceptive tactics, closing my complaint as if it has been resolved, while simultaneously requesting my identification and proof of address, seemingly in an effort to prolong the process. This conduct not only demonstrates their lack of regard for regulatory guidelines but also undermines the fundamental principles of fairness and justice. 
Equifax 's actions, specifically closing my complaint under false pretenses, indicate a clear attempt to stall and circumvent the allotted time given by law to resolve disputes. By misleading the Consumer Financial Protection Bureau ( CFPB ) into believing that my dispute has been satisfied, Equifax is willfully evading their responsibilities and creating unnecessary hurdles in rectifying the issue. This calculated effort to delay the process is in direct violation of the very consumer protection laws that are in place to safeguard individuals like myself. 
Furthermore, it is deeply concerning that Equifax, after erroneously reporting negative information on my credit report, now claims the need for additional proof of my identity and address. I have previously provided Equifax with multiple forms of identification, as requested, on numerous occasions. If Equifax had any concerns or uncertainties regarding the provided identification, they should have promptly communicated these issues to me, affording me the opportunity to address them before disclosing any potentially inaccurate information. Equifax 's insistence on requesting my identification and proof of address now appears to be a deliberate stall tactic, designed to delay and prolong the resolution process. 

Equifax 's failure to uphold their duties in verifying the accuracy of the negative information reported prior to damaging my creditworthiness and reputation is a direct violation of federal consumer protection laws. Their collaboration with creditors to tarnish my character and financial standing is not only unethical but also severely detrimental to my overall financial well-being. 
I hereby implore the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation into my complaint against Equifax and take appropriate measures to hold them accountable for their willful violation of federal consumer protection laws. The mental and emotional stress that I have endured as a direct result of Equifax 's negligence and abuse should not be tolerated, and I seek rightful compensation for the damages inflicted upon me. 
Attached to this letter, you will find copies of all relevant documents, including previous correspondences with Equifax, proof of identification, and any additional supporting evidence that substantiates my complaint. I kindly request that the CFPB thoroughly examine the facts presented and take swift action to rectify this situation. 
Thank you for your immediate attention to this pressing matter. I trust that the Consumer Financial Protection Bureau will act decisively and ensure that justice is served. Should you require any further information or clarification, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX