Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
" THIS IS NOT A DUPLICATE COMPLAINT " New XXXX  - Complaint Attached New XXXX XXXX XXXX New Equifax CFPB lawsuits Equifax - Letter mail XXXX XXXX XXXX XXXX XXXX XXXX On this day at XXXX central time, after holding nearly 1 hr I spoke with Supervisor id : XXXX, who was very rude and told me by me having this XXXX XXXX reporting isn't his problem. I've filed and submitted my FTC complaint. 

Incident Report : During my efforts to dispute inaccuracies, I was informed that Equifax allegedly sides with creditors. I was advised to file an FTC complaint, but despite submitting the necessary identity theft documentation, no changes have been made to my account. Furthermore, after mailing sensitive information to Equifax, my credit report was tampered with, leading to additional inaccuracies. 

Here are five notable consumer lawsuits where XXXX XXXX faced legal action over issues related to false reporting and mishandling identity theft complaints : 1. XXXX XXXX XXXX XXXX ( XXXX ) In this class action, consumers alleged that XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) by not properly addressing identity theft complaints. The company was accused of continuing to report inaccurate information despite consumers submitting valid identity theft reports. This resulted in significant damage to the credit scores of the affected individuals. 

2. FTC Settlement ( XXXX ) XXXX XXXX settled with the Federal Trade Commission ( FTC ) over charges that it failed to properly investigate and rectify identity theft disputes. The company agreed to pay millions in fines and compensate consumers for ongoing credit report inaccuracies. 

3. XXXX XXXX XXXX XXXX ( XXXX ) This case involved a customer whose identity theft claim was ignored, and XXXX XXXX continued reporting delinquent accounts. The court ruled in favor of the consumer, highlighting XXXX negligence in addressing fraudulent accounts and false reporting. 

4. Consumer Credit Report XXXX ( XXXX ) In a class action, XXXX XXXX was accused of procuring credit reports without a legitimate purpose, especially for individuals who had no active accounts with the company. Many of these individuals had also submitted identity theft complaints, which were not properly acknowledged by the company. 

5. Class Action over Unauthorized Accounts ( XXXX ) Consumers filed a class action suit against XXXX XXXX for opening accounts without their authorization, often linked to identity theft. XXXX was accused of failing to properly address identity theft claims, leading to damaged credit reports for many consumers. 

These cases reflect ongoing issues consumers have faced with XXXX XXXX regarding inaccurate credit reporting and the mishandling of identity theft claims. 

Legal Basis for Removal : Under the provisions of 15 U.S.C. 1681c-2 I am formally requesting the removal of these fraudulent accounts and inquiries from my credit report. This request is in accordance with my right to have incorrect or unauthorized information blocked following incidents of identity theft.

Address : ( Bank Letter attached ) My mailing address needs to be updated and I have attached a bank letter as confirmation showing. My correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting the removal of the following creditors and inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I am deeply concerned about Equifax 's compliance with the Fair Credit Reporting Act ( FCRA ), given recent legal precedents such as " XXXX XXXX Equifax Information Services, XXXX '' and " XXXX XXXX Equifax XXXX '' It is evident that Equifax has faced litigation for similar violations in the past, underscoring the importance of addressing inaccuracies promptly and appropriately. 

XXXX  Complaint ( Attached ) " I've also filed a complaint with the XXXX  regarding XXXX XXXX, Account Numbers : XXXX and XXXX. '' Here are five notable lawsuits that Equifax lost or settled due to improper credit reporting : 1. Federal Trade Commission ( FTC ) Settlement ( XXXX ) - Case : After the massive data breach in XXXX, Equifax was sued for failing to protect the personal data of approximately XXXX XXXX consumers. 
- Outcome : Equifax agreed to pay up to {$700.00} XXXX in settlements, including {$420.00} XXXX to directly help those affected by the breach. The settlement was overseen by the FTC, the Consumer Financial Protection Bureau ( CFPB ), and state attorneys general. 

2. XXXX XXXX XXXX Equifax ( XXXX ) - Case : A XXXX  man, XXXX XXXX, sued Equifax for improperly reporting debts that he had already paid off, causing him financial harm. 
- Outcome : Equifax was ordered to pay {$18.00} XXXX to XXXX, including both compensatory and punitive damages. This case highlighted systemic problems in Equifax 's handling of consumer disputes over erroneous credit reporting. 

3. XXXX XXXX XXXX and Equifax ( XXXX ) - Case : XXXX XXXX filed a class-action lawsuit against both Equifax and XXXX for inaccurate credit reporting, specifically flagging him as a match to individuals on a government watchlist. 
- Outcome : The case went to the Supreme Court in XXXX, where XXXX was held liable for damages. While Equifax settled its portion earlier, it highlighted issues with flagging consumers incorrectly. 

4. Federal Housing Finance Agency ( FHFA ) Lawsuit ( XXXX ) - Case : Equifax, along with other credit reporting agencies, was sued for inaccurate reporting that affected mortgage applicants, contributing to the XXXX financial crisis. 
- Outcome : Equifax settled with the FHFA for an undisclosed amount, agreeing to make improvements to their reporting systems to ensure greater accuracy and reliability for consumers seeking home loans. 

5. XXXX XXXX v. Equifax ( XXXX ) - Case : XXXX XXXX sued Equifax for failing to remove inaccurate information from his credit report after numerous attempts to correct it. The erroneous information caused financial difficulties for XXXX. 
- Outcome : The jury awarded XXXX {$3.00} million** in punitive damages, recognizing Equifax 's mishandling of the dispute process and improper reporting practices. 

These cases demonstrate ongoing issues with Equifax 's credit reporting accuracy and data handling, resulting in various legal challenges and significant financial penalties. 


Rights : - 15 U.S Code 1681s-2 - Prohibition : ( A ) Reporting information with actual knowledge of errors - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

- 15 U.S.C. 1681c-2 : Block of information resulting from identity theft - I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft. 



Updated Information : 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

Company response to consumer: Closed with explanation