Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
XX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FINAL ULTIMATUM : IMMEDIATE COMPLIANCE DEMANDED WILLFUL FCRA VIOLATIONS & INTENT TO LITIGATE XXXX XXXX XXXX THIS IS NOT A STANDARD DISPUTE. THIS IS A FORMAL NOTICE OF WILLFUL NON-COMPLIANCE AND A PRE-LITIGATION DEMAND.

To Whom It May Concern : Be unequivocally advised that this communication serves as my final demand for immediate and complete compliance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My repeated, good-faith attempts to resolve flagrantly inaccurate, incomplete, and unverifiable information on my Equifax credit report have been met with an egregious and persistent failure by Equifax to conduct a " reasonable investigation '' as explicitly mandated by FCRA 611 ( a ) ( 1 ) ( A ).

Your protracted inaction and continued reporting of these disputed items, despite multiple prior notifications, now constitutes willful non-compliance with the FCRA. Be fully aware that willful non-compliance carries severe statutory damages, actual damages, and attorney 's fees, as stipulated in FCRA 616 and 617. I am fully prepared to pursue all available legal remedies without further notice should you fail to immediately rectify these violations. 

The following accounts and personal information errors have been previously disputed multiple times, and their continued presence on my report represents a direct and inexcusable failure of your statutory obligations : PERSONAL IDENTIFYING INFORMATION ( NAME ) : Inaccuracy : Your report erroneously includes " XXXX '' as part of my name ( XXXX XXXX XXXX XXXX ). My legal name is simply XXXX XXXX XXXX, with no " XXXX '' suffix. 

Previous Dispute Basis : Incorrect personal identifying information. 

Equifax 's Unreasonable Demand : I have previously disputed this error, and Equifax has imposed an unacceptable and legally dubious requirement for me to provide a picture of my ID to correct a simple suffix that you should verify from your own internal records and public sources. This demand is a violation of your duty to conduct a " reasonable investigation '' and to ensure " maximum possible accuracy '' under FCRA 607 ( b ), as it creates an unreasonable barrier to correction and demonstrates a failure to maintain accurate foundational data. I will NOT provide a picture of my ID to correct an error that originates from your deficient processes. 

Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Reported Status : Charged-Off, Bad Debt/Collection Reported Balance : {$26000.00} Previous Dispute Basis : Inaccurate, incomplete, unverifiable in its entirety. 

Creditor Name : XXXX XXXX Account Number : XXXX Reported Status : Charged-Off, Bad Debt/Collection Reported Balance : {$100.00} Previous Dispute Basis : Inaccurate, incomplete, unverifiable in its entirety. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-Off, XXXX Days Past Due Reported Balance : {$10.00} Previous Dispute Basis : Inaccurate, incomplete, unverifiable in its entirety. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Closed, with XXXX  days past due Reported Derogatory Events : XXXX  days late ( XX/XX/XXXX ), XXXX days late ( XX/XX/XXXX ) Previous Dispute Basis : Inaccurate, incomplete, unverifiable late payment entries. 

Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Reported Status : Closed, with XXXX  days past due Reported Derogatory Events : 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ) Previous Dispute Basis : Inaccurate, incomplete, unverifiable late payment entries. 

Creditor Name : XXXX XXXX XXXX Account XXXX : XXXX Reported Status : Closed, with XXXX  days past due Reported Derogatory Events : XXXX  days late ( XX/XX/XXXX ), XXXX  days late ( XX/XX/XXXX ) Previous Dispute Basis : Inaccurate, incomplete, unverifiable late payment entries. 

IMMEDIATE DEMAND FOR TRANSPARENCY AND REMEDY : For each and every previously disputed account and personal information error listed above, I demand, under penalty of immediate legal action for FCRA violations : FULL DISCLOSURE OF PRIOR INVESTIGATIONS ( FCRA 611 ( a ) ( 7 ) ) : Provide a detailed and comprehensive explanation of the " procedure used to determine the accuracy and completeness of the information '' for every single prior dispute I initiated on these accounts, including the name error. This includes : The exact, unredacted documentation provided by each furnisher that purportedly " verified '' these entries. 

A minute-by-minute accounting of the methods, resources, and human personnel Equifax employed in each of your prior " investigations '' to verify these items, demonstrating true diligence, specifically addressing how you " verified '' my name and why you demand ID for a simple suffix correction.

Irrefutable proof that the furnishers complied with their obligations under FCRA 623 ( a ) by providing accurate, complete, and fully substantiated information, and that your investigation meticulously confirmed this.

IMMEDIATE REINVESTIGATION AND DELETION/CORRECTION : I reiterate my demand for a diligent, reasonable, and legally compliant reinvestigation of each item. 

The " XXXX '' suffix MUST be immediately removed from my name on your records and all future reports, without requiring further identification from me. Your existing records and internal verification procedures should be sufficient to correct this basic identifying information. 

If any furnisher is unable to provide complete, original, and irrefutable verification for every single data point of the accounts ( including the precise dates of delinquency, charge-off status, and all transaction details ), then these items MUST be promptly and permanently deleted from my credit report.

FAILURE TO COMPLY WITH THESE DEMANDS WITHIN THIRTY ( 30 ) DAYS FROM THE DATE OF THIS LETTER WILL BE INTERPRETED AS A WILLFUL VIOLATION OF THE FAIR CREDIT REPORTING ACT, AND WILL RESULT IN THE IMMEDIATE COMMENCEMENT OF LEGAL PROCEEDINGS WITHOUT FURTHER COMMUNICATION. This includes, but is not limited to, lawsuits for statutory damages, actual damages, punitive damages, and recovery of all attorney 's fees and court costs. 

My rights under the FCRA are non-negotiable. I expect your immediate and full compliance to avoid litigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief