Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Notice of Intent to File Lawsuit Against Equifax Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX, XXXX, CA, XXXX Phone Number : XXXX Email Address : XXXX Date of Birth : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXXTo Whom It May Concern : This letter serves as a formal notice of my intent to file a lawsuit against Equifax for its repeated failures to properly investigate and resolve disputes regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) .Despite my repeated efforts to resolve this matter amicably, Equifax has consistently failed to act in accordance with its legal obligations. Specifically : Failure to Conduct a Proper Investigation : I initiated a dispute regarding specific inaccuracies on my credit report and provided all required documentation to support my claims. Despite this, Equifax has failed to conduct a proper investigation and has not corrected the inaccurate information. Repeated and Redundant Requests for ID Verification : In previous disputes, I provided all required identification verification documents, including [ Rental/lease agreement and Passport ID Card, and Social Security card ]. Despite having already provided this information, Equifax continues to demand these documents in a manner that appears redundant and obstructive. Improper Rejection of My Disputes : Equifax has repeatedly claimed that I am not the individual submitting these disputes, despite my providing substantial evidence of my identity and intent. This claim is baseless and has caused significant delays and undue stress. These actions constitute a violation of the FCRA, which requires credit reporting agencies to : Conduct a reasonable investigation into disputes ( 15 U.S.C. 1681i ( a ) ) .Correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C . 1681i ( a ) ( 1 ) ) .Maintain and ensure maximum possible accuracy of credit reports ( 15 U.S.C . 1681e ( b ) ) .Due to Equifaxs negligence, I have suffered significant harm, including damage to my credit score, emotional distress, and financial hardship. I have made multiple good-faith attempts to resolve this matter directly, but Equifaxs repeated failure to comply with its statutory obligations leaves me with no choice but to pursue legal action. To avoid litigation, I demand the following : A thorough and proper investigation of my disputes. The immediate removal of all inaccurate and unverifiable information from my credit report. Written confirmation of these corrections within 15 days of receipt of this letter. Compensation for damages caused by Equifaxs failure to comply with the FCRA. If I do not receive a satisfactory response within 15 days, I will proceed with filing a lawsuit in [ Superior Court Is located at XXXX XXXX XXXX, XXXX, CA XXXX ] to seek all available remedies under the law, including statutory damages, actual damages, and attorneys fees. 
Subject : Acknowledgment of Equifax Lawsuit This letter serves as formal acknowledgment that I am fully aware of the ongoing lawsuit against Equifax regarding its practices and handling of consumer credit reports. Specifically, I am aware of issues related to Equifaxs failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), including : Failing to conduct proper investigations of disputes raised by consumers. Persistently requesting redundant identity verification documentation, even after such documents have already been provided. Failing to correct inaccuracies on consumer credit reports in a timely and efficient manner. I understand that these practices have caused widespread harm, including financial and emotional distress, to affected consumers. This acknowledgment is intended to inform Equifax that I am monitoring the developments surrounding this lawsuit and am prepared to take further action if my concerns about my credit report are not addressed promptly. Equifaxs failure to uphold its responsibilities as a credit reporting agency has led to significant harm, not just to me but to countless others. As a consumer, I expect Equifax to take immediate corrective actions to ensure compliance with federal laws and to prevent further harm to those impacted. Please consider this letter as part of my documentation regarding your companys ongoing issues. If further communication is necessary, please direct all correspondence to the address provided above. 
Please direct all correspondence regarding this matter to my attention at the address provided above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief