Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
CFPB Complaint Rebuttal Equifax Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Re : Response from Equifax dated XX/XX/year> ( Status : Closed with Explanation ) To Whom It May Concern, This is a formal rebuttal to Equifaxs inadequate and unlawful response dated XX/XX/year>, regarding my identity theft complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Equifaxs response demonstrates willful noncompliance with multiple provisions of the Fair Credit Reporting Act ( FCRA ) and a blatant failure to follow federally mandated procedures under 15 U.S.C. 1681c-2, 1681i, and 1681e ( b ). 

Despite submitting a valid FTC Identity Theft Report # XXXX, Equifax has refused to block or delete fraudulent inquiries made by XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX, as required by law. Your claim that inquiries are factual records and are not routinely removed is irrelevant and legally false in the context of documented identity theft. 

Equifax Is In Violation of the Following Federal Statutes : 1. 15 U.S.C. 1681c-2 ( FCRA 605B ) You are federally obligated to block all fraudulent information within four ( 4 ) business days of receiving : A copy of a valid government-issued ID My FTC Identity Theft Report A statement of dispute identifying the information as fraudulent You received this documentation, yet you failed to block or delete the XXXX XXXX inquiries.

2. 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation.

Your generic form response fails to show : Who you contacted What evidence you reviewed The method of verification used There is no proof of a lawful investigation, and no investigation is valid when identity theft documentation has already been provided under 605B.

3. 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

Continuing to report unauthorized access inquiries by XXXX XXXX after receiving my FTC report is knowingly publishing false data. 
4. 15 U.S.C. 1681n and 1681o Willful and negligent noncompliance Your refusal to act on identity theft documentation makes you liable for : Statutory damages up to {$1000.00} per violation Actual damages Attorneys fees Punitive damages for willful violations DEMAND FOR IMMEDIATE CORRECTIVE ACTION : You are hereby given one final opportunity to comply with federal law : Permanently delete and block all fraudulent inquiries and data associated with XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Provide me with a written confirmation of deletion and permanent blocking within 5 business days Submit to the CFPB and to me a detailed copy of your investigation showing the method of verification, including who you contacted and what they verified Failure to comply will result in immediate civil litigation against Equifax for FCRA violations in state or federal court. I will pursue statutory damages, actual damages, punitive damages, and legal fees under 1681n and 1681o. I will also submit formal complaints to the FTC, State Attorney General, and XXXX, and initiate media exposure of your continued noncompliance. 

This is your final notice. 

Sincerely, XXXX XXXX XXXX FTC Identity Theft Report # : XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation