Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, This complaint serves as a formal Notice of Intent to Sue against Experian, Equifax, and TransUnion for willful and continued violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

For over nine ( 9 ) months, I have submitted multiple written disputes to all three national consumer reporting agencies regarding inaccurate and/or unverifiable information appearing on my credit reports. Instead of performing the legally required reasonable reinvestigation, each bureau has repeatedly responded with boilerplate form letters asserting that my disputes do not appear to have come from me. 

This assertion is demonstrably false and has been used as a pretext to avoid investigation. 

Identity Verification Has Been Repeatedly Provided Despite their claims, I have repeatedly verified my identity, including but not limited to : Government-issued photo identification Proof of Social Security number Proof of current address Telephone verification directly with bureau representatives Even after confirming my identity multiple times, the bureaus have continued to refuse to process my disputes, effectively denying me my statutory rights under federal law. 

Clear Violations of the Fair Credit Reporting Act The conduct of Experian, Equifax, and TransUnion constitutes willful noncompliance with the FCRA, including violations of : 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 3 ) Improper rejection of disputes 15 U.S.C. 1681b Failure to ensure maximum possible accuracy 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures 15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance The bureaus repeated refusal to investigate after verification is not an isolated error, but a pattern of obstruction designed to delay, discourage, and deny consumer disputes. 

Harm and Damages As a direct result of these violations, I have suffered : Ongoing reporting of inaccurate and unverifiable information Inability to resolve credit issues in a timely manner Emotional distress, frustration, and loss of time Potential financial harm due to impaired creditworthiness Demand for Immediate Corrective Action I hereby demand that Experian, Equifax, and TransUnion : 1. Immediately accept my disputes as valid and originating from me 2. Conduct a lawful, reasonable, and documented reinvestigation of each disputed account 3. Delete or correct any information that can not be verified 4. Provide written confirmation of investigation results 5. Cease issuing false claims that my disputes are not from me Notice of Intent to Sue If these violations are not fully cured within thirty ( 30 ) days of receipt of this complaint, I am prepared to pursue all available legal remedies, including filing suit for statutory damages, actual damages, punitive damages, attorneys fees, and costs as allowed under the FCRA. 

This notice is provided in good faith and without waiver of any rights. 

I respectfully request that the CFPB intervene immediately and require the credit bureaus to comply with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/year>

Company response to consumer: Closed with explanation