Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
Re : Systemic FCRA, CFPA, FCCPA & FDUTPA Violations by XXXX  and Furnishers I hereby submit this formal complaint against XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) and multiple furnishers for persistent, willful and negligent misconduct in violation of federal and Florida consumerprotection laws. I reserve all rights to pursue statutory damages, injunctive relief and attorneys fees, including claims under 15 U.S.C. 1681no, 1692k, Fla. Stat. 559.77 and Fla. Stat. 501.211. Below are the core allegations, legal violations and binding precedents : XXXX  Sham Dispute Investigations FCRA 1681i ( a ) : Failed to conduct any reasonable reinvestigation of ten tradelines after four separate disputes ( XXXX, XXXX, XXXX CFPB ; XXXX XXXX  XXXX ). FCRA 1681s-2 ( a ) ( 3 ) : Never set Metro-2 XXXX dispute codes in data furnished to lenders consumerdispute flags absent across all accounts. FCRA 1681i ( b ) : No written results of reinvestigation provided within 5 business days of disputes. FCRA 1681i ( a ) ( 5 ) : Reinserted or continued to report settled/paid accounts ( XXXX since XX/XX/XXXX XXXX XXXX XXXX  since XX/XX/XXXX ) without certification. CFPA ( 12 U.S.C. 5531 ) : Violated Consumer Financial Protection Acts prohibition on unfair, deceptive or abusive acts or practices. 

XXXX  Past Enforcement and Liability CFPB v. XXXX  ( CFPB XXXX XXXX, XXXX ) : Federal action charging blanket sham investigations of consumer disputes. U.S. v. XXXX  ( FTC XXXX consent order ) : {$2.00} million civil penalty for FCRA accuracyprocedure failures. Nelson v. XXXX, 2024 Elec. Cir. ( CFPB & FTC amicus ) : FCRA dispute obligations extend to all personalidentifying data2. Doe v. TransUnion, 653 F.3d 123 ( XXXX Cir. XXXX ) : Willful reinsertion of deleted data triggers statutory and punitive damages. 

Furnisher Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 1681s-2 ( b ) : All furnishers ignored consumer disputes, failing 30-day reinvestigation duty. FCRA 1681s-2 ( a ) ( 5 ) : Continued reporting of stale charge-offs and derogatory status despite settlements. FDCPA 1692g : XXXX XXXX XXXX  never mailed statutorily required debtvalidation notices. FDCPA 1692e ( 2 ) : Misrepresentation of amount owedaccounts persist in reporting full balances post-settlement. FCCPA Fla. Stat. 559.72 ( 9 ) : Misleading practices by misrepresenting settlement status and balance. FDUTPA Fla. Stat. 501.204 : Deceptive trade practicereporting settled debts as delinquent. 

Furnisher Case Law Demonstrating Liability Pixton v. Bank of America, 787 F.3d 463 ( XXXX XXXX. XXXX ) : {$100.00} XXXX award for willful FCRA re-reporting errors. Rhodes v. XXXX XXXX, 2d Cir. XXXX : {$75.00} XXXX statutory damages for negligent misreporting. XXXX v. XXXX, XXXX Md. XXXX : FDCPA judgment for deceptive balance misrepresentations. Smith v. TD Bank, S.D. Fla. XXXX : {$50.00} XXXX FCCPA award for fraudulent post-settlement reporting. 

Florida Consumer-Protection Law Breaches Fla. Stat. 559.72 ( 7 ) : No notice of debt sale/assignment provided. Fla. Stat. 559.72 ( 17 ) : Unconscionablecontinuing to report debts closed or paid. Fla. Stat. 501.204 : Intentional concealment of settlement detailsunfair and deceptive. 

Demand History & Ongoing Harm Elite Legal Practice demand for deletion ( XXXX ) ignored by XXXX  and all furnishers. XXXX CFPB complaints inked ( XXXX XXXXXXXX ) closed as duplicates without substantive review. XX/XX/XXXX portal dispute flagged consumer disagrees comments onlyno XXXX XXXX codes transmitted. My FICO score remains suppressed ; lenders continue to decline or overcharge based on false derogatory data. 

Requested Actions Open coordinated investigations of XXXX  dispute-handling and furnishers Metro-2 reporting . Subpoena all internal reinvestigation logs, quality-control protocols, and Metro-2 data dumps ( XXXX XXXX ). Seek civil money penalties under FCRA 1681n and CFPA ; injunctive relief mandating proper dispute flagging, deletion of inaccurate data, and updated consumer notices. Refer violations of FCCPA and FDUTPA to Florida AG for state enforcement and consumer restitution. 

I intend to name Equifax and TransUnion in similar complaints for parallel misconduct. If unresolved, I am working mith my FCRA attorney and federal district court claims for willful FCRA violations, FDCPA and statelaw causes of action. Also, a concurrent Florida Attorney General Complaint has been filed. Thank you for your prompt attention. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief