Consumer complaint received 2024-12-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint and Pre-Arbitration Notice COMPLIANCE DEPARTMENT, This letter serves as a formal complaint and pre-arbitration notice regarding Equifaxs continued violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Federal Trade Commission ( FTC ) guidelines, as well as my constitutional right to due process.

Despite numerous efforts to rectify errors in my credit file and formal correspondence containing the necessary documentation, Equifax has continued to demonstrate a pattern of malicious non-compliance, gross negligence, and blatant disregard for its obligations under federal law. 

Summary of Violations 1. Failure to Accurately Reflect My Legal Name My legal name is XXXX XXXX XXXX, with the XXXX always capitalized and my middle initial included, as reflected on my ID, W-2, birth certificate, lease, and other legal documents. 
Despite providing Equifax with physical copies of these documents, my name has not been corrected in your system. This information is correctly displayed with XXXX, XXXX, and my Equifax business credit profile, yet your personal credit file remains inaccurate. 
2. Inaccurate Address Information My current address is XXXX XXXX XXXX XXXX XXXX XXXX, as verified by my lease agreement and USPS change of address confirmation. 
Equifax continues to list XXXX XXXX XXXX, an address I have never resided at but was linked to an FTC fraud alert I filed in XX/XX/XXXX. This failure to update my address has created unnecessary confusion and risk. 
3. Failure to Provide Method of Verification and Mishandling of Disputes I have repeatedly requested the method of verification for the alleged tradeline associated with XXXX XXXX, as required under FCRA 611 ( a ) ( 6 ) ( B ), but Equifax has failed to comply. 
Instead of adhering to mandated procedures, Equifax has : Opened new disputes without my authorization. 
Updated disputes mid-investigation without proper notice or explanation.

Marked disputes as updated and verified within 24 hours, suggesting no genuine investigation was conducted.

4. Repeated Requests for Identity Verification and Erroneous Claims of No Credit File Equifax alternates between asking for further identity verification and claiming that no credit file can be found under my information. 
This is despite providing physical copies of my lease agreement, birth certificate ( both long and short forms ), W-2 with complete SSN, and other identifying documents via certified mail. 
5. Recent Correspondence from Equifax Demonstrates Continued Negligence Today, I received three mail correspondences from Equifax, all dated XX/XX/XXXX, in response to my certified mail containing a formal complaint, demand for method of verification, and the aforementioned physical documents. 
The responses were vague, unhelpful, and failed to address the core issues raised in my complaint, further compounding Equifaxs refusal to comply with its legal obligations.

Impact and Detrimental Harm Equifaxs actions have resulted in : Denials of credit for personal and business purposes. 
Delays in securing funding for critical ventures. 
Damage to my reputation and financial standing, causing significant stress and loss of opportunities. 

Under FCRA 604 ( a ) ( 3 ) ( A ), I am entitled to a credit file that is accurate and accessible for legitimate purposes. Equifaxs failure to provide this has materially harmed me. Additionally, under FCRA 611 ( a ), Equifax is required to conduct a reasonable investigation and provide documentation of its findings, including the method of verification. Your repeated failure to do so is a blatant violation of my rights. 

Requested Resolution 1. Immediate correction of my legal name to reflect XXXX XXXX XXXX, including capitalization and middle initial. 
2. Immediate update of my address to XXXX XXXX XXXX XXXX, XXXX, GA, and removal of any association with XXXX XXXX XXXX. 
3. Deletion or verification documentation for the alleged XXXX XXXX tradeline, as per FCRA 611 ( a ) ( 6 ) ( B ). 
4. A detailed explanation of the method of verification used for all disputed items. 
5. Immediate cessation of the repeated and unjustified requests for identity verification, given that I have already provided sufficient documentation.

Relevant Statutory References FCRA 611 ( a ) : Obligation to conduct a reasonable investigation of consumer disputes. 
FCRA 611 ( a ) ( 6 ) ( B ) : Requirement to provide consumers with the method of verification for disputed items.

FCRA 604 ( a ) ( 3 ) ( A ) : Right to an accurate and accessible credit file.

FDCPA 807 : Prohibition against false or misleading representations, including inaccurate credit reporting. 
FTC Act, Section 5 : Prohibition of unfair or deceptive acts or practices in commerce. 

Notice of Intent If these issues are not resolved within 30 days, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). I will also initiate arbitration or pursue a civil lawsuit to seek compensation for the financial and reputational damages caused by Equifaxs continued willful non-compliance with the FCRA and FDCPA.

These continued infringements of my rights are unacceptable, and I demand immediate corrective action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation