Consumer complaint received 2025-03-16 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: DC

Complaint narrative:
Equifax is formally directed to review the full details of this dispute in the attached document, " XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Due to the length and complexity of this submission, only a summary is provided here. However, Equifax remains fully obligated under federal, XXXX, and Georgia consumer protection laws to review and respond to the full complaint and all supporting attachments in their entirety. Any attempt to ignore, dismiss, or selectively review only this summary would constitute a failure to meet its legal obligations under multiple statutes. 

This complaint details systemic fraud and obstruction by Equifax in handling my disputes. The full document outlines XXXX fraudulent dispute-handling practices, including false identity theft classifications used to avoid reinvestigations, frivolous dispute designations without legal justification, unlawful refusals to block information under FCRA XXXX XXXX a ) despite receiving all required documentation, manipulation of CFPB portal responses versus mailed correspondence to create a false record of compliance, and a pattern of systemic misrepresentation and obstruction designed to suppress consumer rights. 

The CFPB and Equifax must review " XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in full to understand the complete scope of violations, supporting evidence, and formal demands for corrective action. The submission includes a sworn and notarized XXXX of XXXX, a detailed timeline of XXXX fraudulent practices, XXXX documented instances of misconduct with supporting correspondence, and FTC XXXX Report XXXX. Equifax is required to provide a full, legally substantiated response addressing each violation outlined in the attached document. This summary does not replace the full complaint ; it serves only as a directive to review the formal submission in its entirety. 

Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( FCRA ), Equifax is legally required to conduct a reasonable reinvestigation of disputed information, which includes reviewing all relevant information provided by the consumer. That obligation extends to examining the full contents of the attached formal complaint and all supporting documentation. Any failure to do so would violate XXXX statutory reinvestigation duties and could trigger regulatory enforcement under XXXX XXXX. XXXX ( a ) ( XXXX ) ( FCRA ). Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( Consumer XXXX XXXX XXXX XXXX, UDAAP ), Equifax is prohibited from engaging in unfair, deceptive, or abusive acts or practices, which includes any attempt to misrepresent, suppress, or selectively review dispute-related information. 

Failure to fully review the attached complaint and all supporting evidence would constitute a material omission under XXXX XXXX XXXX ( XXXX ) & ( f ) ( XXXX XXXX XXXX, which prohibits deceptive and misleading trade practices. Similarly, under XXXX. XXXX ( b ) ( XXXX ) ( Georgia XXXX XXXX Practices XXXX XXXX ), Equifax is prohibited from suppressing material facts in consumer transactions, which includes its duty to review all dispute evidence in good faith. Both the XXXX Attorney General under XXXX XXXX XXXX ( k ) ( XXXX ) and the Georgia Attorney General under XXXX. XXXX ( a ) have jurisdiction to investigate and enforce consumer protection violations stemming from XXXX refusal to properly investigate or provide truthful responses to disputes. 

If Equifax fails to conduct a full and transparent review of the attached complaint and supporting evidence, it risks further regulatory scrutiny, enforcement actions, and liability under multiple consumer protection statutes. This submission is made in good faith and full compliance with federal and state consumer protection laws. Equifax is placed on formal notice that it must review, acknowledge, and respond to " XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and all referenced evidence. Any failure to do sowhether through omission, non-response, or an attempt to rely solely on this summarywould constitute additional violations of XXXX XXXX. XXXX ( a ) ( XXXX ) ( FCRA ) for failure to reinvestigate, XXXX XXXX XXXX ( f ) for deceptive omission of material facts, Georgia FBPA XXXX ( b ) ( XXXX ) for unfair and deceptive business practices, and XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX XXXX ) for deceptive business practices. 

Equifax is legally required to conduct a complete review and provide a substantive response based on the full complaint, not just this summary.

Company response to consumer: Closed with explanation