Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Formal Dispute of Personal and Account Information Under FCRA and Related Federal Statutes To Whom It May Concern : I am submitting this formal response to your investigation summary in relation to my original complaint filed with the Consumer Financial Protection Bureau ( CFPB ). 

Despite your generic resolution notice, my complaint remains unresolved. This response serves as both a continuation of the original dispute and an explicit request for full reinvestigation under federal law. Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and a follow-up to my concerns raised under 15 U.S.C. 1681b ( Permissible Purpose ).

1. Unlawful Use of Personal Information ( 15 U.S.C. 1681b ) I have serious concerns that my personal information has been accessed, maintained, or used without my written authorization, in violation of 15 U.S.C. 1681b. You are required to confirm a permissible purpose with verifiable evidence and obtain consent before using or disclosing personal credit file data.

Demand : Please provide documentation confirming which party requested, accessed, or furnished my personal data, the date and basis for that access, and how you confirmed a legally permissible purpose under the FCRA. If you are unable to provide this, you are required to remove the inquiry and all associated personal data collected without consent. 

2. Dispute of Inaccurate Information ( 15 U.S.C. 1681i ) Under 15 U.S.C. 1681i ( a ), I am requesting an immediate reinvestigation of the following inaccurate or unverifiable information : A. XXXX XXXX XXXX Late Payments ( Reported 2 Years Ago ) This account is inaccurately reporting two late payments from over two years ago. These delinquencies are either outdated, not verified with documentation, or the account should be excluded due to inconsistent reporting. 

Request : Please remove or correct this information unless you or the furnisher can provide clear written documentation of the delinquency, including the exact due date, payment history, and billing statements. If no such verification exists, you are obligated under 1681i ( a ) ( 5 ) to delete the information from my report.

B. Student Loan Accounts I am disputing one or more student loan tradelines listed on my credit profile. These accounts may be : Outdated, duplicated, or Reporting under incorrect personal information, or Falsely showing late payments or balances that are not mine Request : Please provide the furnisher name, the original account servicer, and all reporting documentation. If these can not be verified, the loans must be deleted under 1681i ( a ).

Personal Information Discrepancies ( 15 U.S.C. 1681g / 1681c ) My file includes inaccurate personal identifiers, such as outdated or unverified addresses, aliases, or employment information that I have never used or approved for use in credit reporting.

Request : I demand a complete list of : All addresses, employers, and aliases listed in your file The source ( data furnisher ) of each entry The date it was added and Whether it was verified Under 15 U.S.C. 1681g ( a ) ( 1 ), you must provide this information in writing and correct/delete all unverified data immediately.

Failure to Properly Investigate Your response to my original CFPB complaint was a form letter, which did not address any of the specific issues I raised. Per FCRA 1681i ( a ) ( 3 ), if a consumer identifies specific disputed items and provides supporting documentation, the CRA is obligated to perform a reasonable investigation and provide a substantive response.

Request : I am demanding a line-by-line response and reinvestigation. Please do not respond with general instructions or send template responses. If you can not verify an item, it must be deleted under FCRA guidelines. 


Please be advised I am documenting this request for future legal action if necessary. If Equifax fails to act within the required 30-day window, I will escalate this to the Federal Trade Commission ( FTC ) and may pursue additional remedies under FCRA 1681n ( willful noncompliance ) or 1681o ( negligent noncompliance ), which entitle me to damages and attorneys fees. 

You are legally required to update me in writing with the full results of your investigation and provide a corrected credit report if any changes are made. Call my report I have no history of late payments. I am creditworthiness of paying timely and solid personal and business credit.

Company response to consumer: Closed with non-monetary relief