Consumer complaint received 2025-06-15 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX ATTN : Consumer Relations/ Legal Compliance Subject : Formal Dispute and Notice of Violations of the FCRA Demand for Immediate Action To Whom It May Concern, I am writing to notify Equifax of multiple serious violations of my rights under the Fair Credit Reporting Act ( FCRA ) and to formally dispute specific actions taken by your agency. 



1. Unauthorized Fraud Alert Placement Equifax has placed a fraud alert on my credit report without my request, consent, or any verification of a fraud claim. This fraud alert negatively impacted my ability to obtain credit and violates : FCRA 605A ( 15 U.S.C. 1681c-1 ) A fraud alert may only be placed at the consumers request and upon verification of identity and consent. 



Further, Equifax failed to send any written notification informing me that a fraud alert had been placed, which is also a violation of your statutory duties. 



Only after I called Equifax and spoke with a supervisor by the name of Soya ( S-O-Y-A ) was I informed that a fraud alert was active and only then was it removed. This unauthorized alert denied me access to credit and caused financial and emotional harm. 



2. Reinsertion of Deleted Account Without Required Notice Equifax has reinserted an account on my credit report that had previously been removed as a result of a dispute. You failed to provide me with : A written notice of reinsertion within 5 business days, as required by FCRA 611 ( a ) ( 5 ) ( B ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Moreover, I have a recorded call with supervisor Soya, in which she admitted Equifax does not send reinsertion letters. This is a direct admission of willful noncompliance with the law.

The law is clear : If any information is deleted from a consumers file the information may not be reinserted unless the furnisher certifies that the information is complete and accurate AND the agency notifies the consumer in writing within 5 business days. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Equifaxs failure to provide this required notice is a blatant violation of the FCRA and is now documented with evidence.

3. Refusal to Provide Method of Verification When I previously disputed a negative item on my report, an Equifax representative refused to provide the method of verification, which violates : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) This law gives me the right to receive a description of the procedure used to determine the accuracy and completeness of disputed information. 



Denying this information is a violation of federal law and has further obstructed my rights as a consumer. However I've sent over this complaint to the House of Representative, and the Senate willing to continue with any legal preceedings. 



DEMANDS Pursuant to my rights under the FCRA, I am demanding the following : 1. A full written explanation for the unauthorized placement of the fraud alert 2. Written documentation that certification was obtained from any furnisher whose account was reinserted 3. an admission that no reinsertion notice were sent 4. A full method of verification for each item I have disputed 5. A full investigation of all violations described above 6. Immediate removal of any account reinserted without following proper legal procedures 7. Immediate correction and update to my credit file to reflect accurate, lawful reporting NOTICE OF INTENT If Equifax fails to comply within the timeframes required by law, I will : file charges with my State Attorney General Next Consider pursuing legal action under FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) for willful and negligent noncompliance, including seeking statutory and punitive damages I expect a full response within 30 calendar days, as required by the FCRA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation