Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Plaintiff : XXXX XXXX Defendant : Equifax Information Services, XXXX Subject : Intent to Sue for Willful Violations of the Fair Credit Reporting Act ( FCRA ) To : Equifax Legal Department Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Multiple FCRA Violations, Unauthorized Account Deletions, Failure to Investigate Disputes, and Legal Claim for Damages 1. Overview of Equifaxs Violations and Lawsuit Basis This letter serves as final legal notice that Equifax has com

mitted multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and has recklessly damaged my credit profile by : 1. Failing to properly investigate and correct disputed accounts ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

2. Removing positive accounts without my authorization, causing irreparable harm. 
3. Continuing to report inaccurate negative accounts after multiple disputes.

4. Failing to provide legally required notice of investigation results ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

5. Engaging in a pattern of misconduct, which has already been recognized in past CFPB enforcement actions against Equifax.

These deliberate violations have caused significant financial damage, lowering my creditworthiness and subjecting me to higher interest rates and lost financial opportunities.

2. Accounts Fraudulently Removed Without My Authorization Equifax illegally deleted positive, longstanding accounts that were critical to my credit history. These include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were never disputed, yet Equifax removed them without my consent, permanently altering my credit file in a way that misrepresents my financial responsibility. This constitutes fraudulent tampering with my credit report and a willful violation of FCRA under 15 U.S.C. 1681n.

Legal Demand : Equifax must immediately restore these accounts or face legal action.

3. Failure to Remove Unauthorized Negative Accounts After Proper Dispute Equifax failed to properly investigate and remove multiple inaccurate or unverifiable negative accounts, including : XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ending in XXXX XXXX XXXX XXXX Account Ending in XXXX These accounts were disputed with clear evidence, yet Equifax ignored the evidence and refused to delete them. This is a blatant violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which requires Equifax to delete unverifiable accounts.

Legal Demand : Equifax must remove these accounts immediately or provide proof of verification.

4. Equifaxs Fraudulent Dispute Handling Bad Faith Reinvestigations Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a reasonable reinvestigation of disputed accounts. Instead, Equifax closed my disputes within days, proving that no real investigation took place : Dispute # XXXX ( Closed in 10 days XX/XX/XXXX XX/XX/XXXX ) Dispute # XXXX ( Closed in 3 days XX/XX/XXXX XX/XX/XXXX ) Dispute # XXXX ( Closed in 2 days XX/XX/XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX It is impossible to conduct a legitimate dispute reinvestigation in just 2-3 days, and courts have ruled that such rapid investigations violate FCRA. This conduct is textbook willful noncompliance under 15 U.S.C. 1681n, exposing Equifax to statutory and punitive damages. 

Legal Demand : Equifax must provide : Documentation of how these disputes were reviewed. 
A full explanation of how these accounts were verified. 
The names and contact information of the furnishers Equifax communicated with. 

Failure to provide this documentation will be used in court to prove Equifaxs noncompliance.

5. Legal Liability and Damages Equifax Faces Because Equifax has engaged in willful noncompliance, I am entitled to seek the following damages : Statutory Damages of {$1000.00} per violation under 15 U.S.C. 1681n.

Actual damages for financial harm, including higher interest rates and lost credit opportunities.

Punitive damages for reckless disregard of consumer rights.

Full reimbursement of legal fees and court costs under FCRA 15 U.S.C. 1681n ( 3 ).

Given that Equifax has violated multiple sections of FCRA, the estimated legal claim exceeds {$50000.00}.

6. Final Legal Demand Avoiding Litigation To avoid an immediate federal lawsuit, Equifax must : XXXX. Immediately restore the positive XXXX XXXX accounts that were illegally deleted. 
2. Remove all disputed, unauthorized negative accounts that were improperly verified.

3. Provide documentation proving how Equifax verified these accounts.

4. Issue a written commitment that Equifax will comply with FCRA requirements.

Failure to comply within 10 days will result in immediate legal action. 


7. Litigation Warning If Equifax fails to take corrective action, I will proceed with filing a federal lawsuit seeking : A court order forcing Equifax to correct my credit report.

The maximum statutory and punitive damages allowed under FCRA.

An injunction against Equifaxs continued violations.

This is not a negotiation. Equifaxs violations are well-documented, and I am fully prepared to take this matter to court.

Final Notice This letter serves as formal notice of impending legal action. If Equifax does not resolve these violations immediately, I will proceed with litigation.

Company response to consumer: Closed with explanation