Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Ongoing Violations of Regulation F and the Fair Credit Reporting Act Failure to Investigate, Verify, or Delete Disputed and Fraudulent Items FTC Identity Theft Report # XXXX on File Dear Equifax Legal Department, I am submitting this formal legal notice concerning your continued violations of both Regulation F ( 12 CFR 1006 ) and the Fair Credit Reporting Act ( FCRA ). Despite my properly submitted disputes dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and my filing of an official FTC Identity Theft Report ( # XXXX ), you continue to report accounts and inquiries that are inaccurate, unauthorized, and in some cases, clearly tied to identity theft. 

Your inaction and refusal to provide the method of verification for disputed entries violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Your ongoing reporting of items without my consent or a permissible purpose violates 15 U.S.C. 1681b. And your failure to block or remove information after formal identity theft notice constitutes a violation of 15 U.S.C. 1681c-2. 

Beyond these failures, your handling of this matter also violates the CFPBs Regulation F, which establishes rules for communication, consumer disclosure, and validation of accounts in the context of credit reporting and collections. You have not provided validation, reasonable reinvestigation procedures, or legitimate documentation to support continued reporting of the following disputed items. 

Disputed Accounts Still Reporting ( Must Be Deleted ) : 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 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 XXXXXX/XX/XXXX You Have Failed to : Provide a description of the reinvestigation procedures used Deliver the method of verification Supply documentation from any furnisher or creditor supporting the accuracy of the disputed data Comply with identity theft blocking requirements under 1681c-2 Follow Regulation F standards regarding clear consumer communication and item validation Your continued failure to correct these items and comply with the law constitutes willful noncompliance under the FCRA and the CFPBs Regulation F.

Immediate Legal Demand : Pursuant to my rights under federal law, I demand that Equifax : Immediately delete all listed accounts and inquiries from my file Provide written confirmation of deletion within 15 calendar days Cease reporting or furnishing any consumer information related to the above items without verified and signed authorization Failure to Comply Will Result In : Escalated complaints filed with the CFPB, FTC, and New Jersey Attorney Generals Office Civil action for violations under 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final notice to comply with Regulation F, the FCRA, and your legal obligations to verify, investigate, and remove inaccurate or fraudulent data. I expect a written response and full deletion within the timeframe provided.

Company response to consumer: Closed with explanation