Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
NOTICE OF CLAIM AND DEMAND TO CEASE AND DESIST To Whom It May Concern : This complaint serves as formal notice to Equifax Information Services LLC ( " Equifax '' ) that you are hereby ordered to immediately cease and desist from the continued willful, negligent, and unauthorized use, sharing, and dissemination of my private, personal, and intellectual property, including my personally identifiable information ( PII ), in a defamatory and damaging manner.

Equifax is currently falsely reporting inaccurate, incomplete, and misleading trade-line information on my consumer report and profile, including but not limited to late payments, and charge-offs, which are materially incorrect and disputed, and which you have no legal authority to report or maintain. These defamatory statements are being published to third parties without my consent, causing me significant harm, including the denial of credit, the loss of financial opportunities, and damage to my character and reputation. 

You are now on notice that I have not granted Equifax consent or authorization to use my PII in such a way that contributes to defamation, identity theft, and unjust enrichment. By continuing to report, publish, or disseminate false or disputed information without properly verifying the accuracy and completeness, or obtaining lawful permission, you are knowingly participating in defamation of character, identity theft and profiting from it, in violation of both state and federal law. 

REVOCATION OF ASSUMED POWER OF ATTORNEY AND CONSENT Be further advised that any presumed, implied, or alleged Power of Attorney, authorization, or consent for Equifax to report, share, or publish any information relating to my credit profile, creditworthiness, credit report, or PII is hereby formally and unambiguously revoked. 

At no time have I knowingly or willingly granted Equifax or any affiliated third party the lawful right to act on my behalf, represent me, or enter into agreements regarding the collection, storage, or dissemination of my PII or private credit data and information. 

This revocation is retroactive and applies to any previous unauthorized use or transmission of my information. Any continued action under the guise of authority will constitute willful misrepresentation, impersonation, and bad-faith business practices.

LEGAL BASIS AND SUPPORTING CASE LAW Equifaxs actions constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., which mandates that consumer reporting agencies must ensure the maximum possible accuracy of information reported and must promptly correct or delete inaccurate, incomplete, or unverifiable information. 

A consumer reporting agency is required to follow reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681e ( b ) Case law in support includes : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Doe XXXX XXXX, XXXX XXXX XXXX ( XXXX ) FAILURE TO COMPLY WITH 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) In accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act, upon dispute of any item in a consumer 's file, a credit reporting agency is required, within five ( 5 ) business days of the completion of a reinvestigation, to provide to the consumer a description of the procedure used to determine the accuracy and completeness of the information.

... the agency shall provide to the consumer a description of the procedure used to determine the accuracy and completeness of the information 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) To date, Equifax has repeatedly failed to comply with this statutory requirement by : Ignoring consumer disputes Refusing to disclose the method of reinvestigation Allowing inaccurate or unverifiable data to remain and reappear Failing to provide the mandatory description of investigative procedures This constitutes willful noncompliance with federal law. As a result of this continued violation, you are now required to immediately delete all information previously disputed and challenged by me under the FCRA.

Your failure to adhere to this statutory requirement is not only unlawful but serves as further evidence of negligence, recklessness, and intent to defame.

RECENT REGULATORY ACTIONS AGAINST EQUIFAX On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) ordered Equifax to pay {$15.00} million in penalties for violating consumer protection laws, including failure to investigate disputes, mishandling consumer-submitted documentation, and permitting false information to remain on credit reports.

This enforcement action illustrates an established pattern of misconduct and reinforces my demand for immediate corrective action.

DEMAND FOR ACTION You are hereby formally demanded to : Permanently remove and delete any and all derogatory, inaccurate, and unverified trade-lines from my file within ten ( 10 ) calendar days, including : Late payments Charge-offs Any and all other negative reporting trade-lines or entries Cease and desist from all further reporting or dissemination of my private PII and any data related to my credit profile.

Provide written confirmation within ten ( 10 ) days that : All disputed and challenged data has been permanently deleted You will no longer use or distribute my information without verified, written, and express consent You have provided the legally required description of the reinvestigation procedure per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) NOTICE OF LITIGATION Non-compliance will result in immediate legal action, including : Lawsuits for : Defamation of Character Identity Theft Unjust Enrichment Willful Violations of the FCRA Regulatory complaints with : CFPB, FTC, DOJ, SEC, and U.S. and State Attorney General All continued activity will be submitted as evidence of bad-faith conduct and intentional infliction of economic harm. I will seek maximum damages, penalties, and sanctions available under the law.

FINAL NOTICE Equifax has no valid authority, power of attorney, or legal consent to continue processing, reporting, or disseminating my information. This demand is binding and final. Further noncompliance will constitute evidence of criminal negligence, fraud, and consumer abuse. 

This is your final warning. Govern yourself accordingly.

Company response to consumer: Closed with explanation