Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opportunity to Cure Immediate Removal of Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Equifaxs Unfair XXXX Deceptive, and Illegal Reporting Practices To the Equifax Dispute Department XXXX This letter serves as an opportunity to cure Equifaxs ongoing unfair and deceptive credit reporting practices regarding the following inaccurate and unlawfully reported accounts on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple disputes and substantiating documentation, Equifax continues to report these accounts inaccurately, unfairly, and deceptively in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Equifaxs History of Sham Investigations and Deceptive Practices Equifax is already facing a {XXXX XXXX lawsuit due to its history of conducting sham investigations and refusing to remove inaccurate accountswhich is exactly what is happening in my case. 
XXXX XXXX XXXX have already been removed from my XXXX XXXX XXXX XXXXeports, yet Equifax continues to falsely report them. 
XXXX has conducted a proper reinvestigation and removed these accounts, acknowledging that they should not have been reported. 
I will be providing documentation confirming that XXXX has removed these accounts, further proving Equifaxs failure to comply with the FCRA.

Equifax refuses to conduct a legitimate reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ) and instead continues to rubber-stamp fabricated dispute results.

Equifaxs deliberate failure to remove these accounts, despite clear evidence of inaccuracy, is an egregious violation of federal law. 

2. Failure to Provide Legally Required Notice of Negative Reporting Under FCRA 1681s-2 ( a ) ( 7 ) ( A ) ( B ), creditors must notify consumers at least 30 days before reporting negative information. 
I was never notified by XXXX XXXX XXXX XXXX XXXX before these negative items appeared on my Equifax report. 
Equifax has failed to verify whether these furnishers complied with their legal obligationsfurther proving these accounts are being reported unlawfully. 

If Equifax can not provide evidence that these notices were sent to meincluding mailing records, tracking details, and address verificationthen these accounts must be removed immediately. 

3. Equifax is Accruing {$1000.00} in Damages Per Month for Each Inaccurate Account Each month that these accounts remain unlawfully reported constitutes a separate violation under the FCRA, entitling me to statutory damages of {$1000.00} per violation per month. 
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  Equifax : XXXX XXXX  These figures represent minimum statutory damages and do not include punitive or actual damages, which could be significantly higher. 

4. Opportunity to Cure Equifaxs Last Chance to Avoid Legal Action I am providing Equifax one final opportunity to correct these unlawful reporting violations before I escalate this matter by : 1. Filing a Federal Complaint Against Equifax for willful violations of the FCRA and engaging in deceptive trade practices. 
2. Submitting a formal complaint to the CFPB and FTC regarding Equifaxs systemic failure to conduct proper investigations.

3. Notifying my state Attorney General about Equifaxs unfair and deceptive business practices, which harm consumers nationwide.

5. Immediate Action Required To resolve this matter, Equifax must take the following corrective actions immediately : 1. Permanently remove all inaccurate, unverified, and improperly reported XXXX XXXX XXXX XXXX XXXX XXXX 
2. Provide verifiable documentation proving these creditors complied with FCRA notice requirements. 
3. Issue a formal written response confirming the removal of these accounts from my credit report. 

6. Documentation from XXXX Proves These Accounts Are Unverifiable I will be submitting official documentation showing that XXXX has already removed the XXXX XXXX XXXX XXXX due to their inaccuracy and failure of verification. 
Equifax has no justification for continuing to report accounts that another credit bureau has already determined to be unverifiable. 
If XXXX has removed these accounts, then Equifaxs continued reporting is a clear violation of the FCRA. 

7. Response Required Within 15 Days If Equifax fails to correct these violations within 15 days, I will be left with no choice but to escalate this matter through federal litigation seeking full statutory, punitive, and actual damages. 

I urge Equifax to immediately cure these violations before further legal consequences arise.

Company response to consumer: Closed with explanation