Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
his is a formal complaint against Equifax for failing to properly reinvestigate, verify, and correct inaccurate and unverified information in my credit file, despite XXXX previous disputes. This is my third and final demand for full compliance with the law. Equifax has repeatedly failed to follow the requirements under multiple federal statutes, resulting in continued inaccurate reporting and violations of my consumer rights. 

DISPUTED ACCOUNTS ( REQUIRE FULL REINVESTIGATION AND/OR DELETION ) XXXX Account XXXX XXXX Opened : XX/XX/year> Reported Balance : {$19000.00} Not verified with original source documentation. 

XXXX Account # XXXX Opened : XX/XX/year> Reported Balance : {$13000.00} Not verified with original source documentation. 

These accounts have NOT been validated with original, actual documentation from the furnishers during previous investigations. XXXX verification or e-Oscar responses DO NOT meet federal requirements. 

FEDERAL LAWS EQUIFAX IS CURRENTLY VIOLATING OR AT RISK OF VIOLATING FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) FCRA 602 Failure to maintain fair and accurate reporting.

FCRA 605B / 1681c-2 Failure to block identity-related or unverifiable information.

FCRA 607 / 1681e ( b ) Failure to maintain maximum accuracy.

FCRA 609 / 1681g Failure to provide full disclosure and investigation materials.

FCRA 611 / 1681i Failure to conduct a lawful reinvestigation using original documentation.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete any information not fully verified.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide full method of verification ( MOV ), including : Who was contacted How verification was done What documents were provided FCRA 611 ( a ) ( 7 ) Failure to provide required dispute statements.

FCRA 612 Failure to maintain reasonable procedures.

FCRA 623 Furnisher liability for providing inaccurate information.

FCRA 616 and 617 Civil liability for willful and negligent noncompliance.

FACTA Fair and Accurate Credit Transactions Act Failure to block fraudulent or unverifiable information and failure to increase protections required under identity-related disputes. 

GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) Failure to protect personal and financial data and failure to safeguard against inaccurate or compromised information.

CFPA Consumer Financial Protection Act ( 12 U.S.C. 5481 et seq. ) Equifaxs ongoing actions may constitute : Unfair acts Deceptive acts Abusive acts ( UDAAP violations ) ECOA Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) Failure to handle credit information fairly ; potential discriminatory or unfair treatment.

FEDERAL CRIMINAL CODE 18 U.S.C. 1028A ( Aggravated Identity Theft ) Failure to remove identity-compromised information may contribute to the continuation of a federal crime. 

DEMAND FOR IMMEDIATE ACTION Equifax must : Conduct a complete reinvestigation using original source documentation. 

Provide a full method of verification XXXX XXXX XXXX including copies of all documents used. 

Delete all unverifiable, inaccurate, or identity-compromised accounts immediately. 

Provide a written explanation of findings. 

Issue an updated corrected credit report. 

FINAL NOTICE BEFORE ESCALATION If Equifax fails to comply within XXXX days, I will file complaints with : CFPB FTC Texas Attorney General Any relevant regulatory authority Pursue civil action for damages under FCRA 616617 and any other applicable laws This is Equifaxs final opportunity to bring the file into full federal compliance.

Company response to consumer: Closed with explanation