Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX XX/XX/year> REBUTTAL TO COMPANY RESPONSE DEMAND FOR DELETION DUE TO FCRA VIOLATIONS, DELAYED INVESTIGATION, AND DATA BREACH LIABILITY To Whom It May Concern, This is a formal and final rebuttal to Equifaxs response XXXX XX/XX/scrub>XXXX XXXX XXXX, regarding my original dispute sent on XXXX XXXX XXXX, and my written follow-up demand sent on XXXX XXXX XXXX. Equifax has willfully failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) and is now being placed on legal notice. 

TIMELINE OF VIOLATION : Dispute submitted : XXXX XXXX XXXX Follow-up demand sent : XXXX XXXX XXXX Equifax response received : XXXX XXXX XXXX This response came more than XXXX days after the original dispute and 43 days after my written reminder. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax was required to complete the reinvestigation within 30 days, and it failed to do so. 

ACCOUNTS TO BE DELETED IMMEDIATELY : 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 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 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} These accounts contain inaccurate, unverifiable, or outdated negative information, and must be permanently removed based on the failure to comply with the FCRAs 30-day response rule.

FEDERAL VIOLATIONS COMMITTED BY EQUIFAX : FCRA 611 ( a ) ( 1 ) ( A ) Failure to complete reinvestigation within 30 days FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information not verified within 30 days FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 602 ( a ) Failure to ensure fair and equitable treatment after a data breach EQUIFAX DATA BREACH LIABILITY : As a known and confirmed victim of the Equifax data breach, I have no confidence in the integrity or security of any data Equifax holds or verifies. Per FCRA 602 ( a ), consumers have a right to accurate and secure reporting. The breach further invalidates any attempted " verification '' by Equifax and compounds your liability.

FINAL 10-DAY DEMAND ( EXTENDED COURTESY ) : Although Equifax is already in clear violation of federal law, I am extending a final 10-calendar-day courtesy to correct these violations before legal and regulatory escalation begins.

You are hereby demanded to : Permanently delete all 10 accounts listed above Remove all associated late payments, charge-offs, and derogatory marks Send confirmation of deletion both : By Email : XXXX By Mail : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACTION WARNING : If you fail to fully delete these accounts and provide written confirmation within 10 calendar days, I will pursue : A civil lawsuit under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), seeking : {$1000.00} per violation Punitive damages Attorneys fees and court costs Formal complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX  Office of the Pennsylvania Attorney General XXXX XXXX You have been placed on final legal notice. This is your last opportunity to resolve this matter in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief