Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Consumer Financial Protection XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Action Requested Regarding Continued FCRA Violations by Experian, Equifax, and TransUnion Dear CFPB Representative : This letter serves as an urgent follow-up concerning persistent violations of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian, Equifax, and TransUnion, despite numerous disputes filed through the CFPB and direct communications with the bureaus. 
I have repeatedly provided substantial documentation to verify identity theft, including : * FTC Identity Theft Affidavit ( # XXXX ) * Police Report * Valid government-issued ID * Social Security Card * Recent utility bills confirming my address Despite this comprehensive documentation, these agencies continue to : * Reinsert previously deleted fraudulent accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) without providing required written notifications, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
* Fail to block fraudulent accounts ( XXXXXXXX XXXX XXXX XXXX  ) pursuant to FCRA 605B, despite clear proof of identity theft.

* Engage in deceptive practices, including disputing accounts I never disputed, falsely attributing verification to creditors without supplying credible proof ( in violation of FCRA 611 ( a ) ( 7 ) ), and placing unauthorized security freezes, significantly harming my reputation and creditworthiness.

Legal Violations & Case Law : These credit reporting agencies have violated : * 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to assure maximum possible accuracy.

* 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failing to conduct proper reinvestigations. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emphasizes CRAs duty to go beyond superficial verification and conduct meaningful investigations. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforces the necessity of reasonable reinvestigation and accurate verification. 
Requested CFPB Actions : * Immediate removal and permanent blocking of all fraudulent and unauthorized disputed items.

* Detailed verification transparency : Require explicit documentation of all verification processes. 
* Formal CFPB investigation : Impose penalties and sanctions for continued noncompliance, deceptive practices, and unauthorized actions. 
* Financial compensation : Due to extensive damages to my creditworthiness, reputation, emotional distress, and wasted time, I am requesting {$10000.00} in statutory and punitive damages, consistent with precedents set under 15 U.S.C. 1681n and 1681o.

Moving forward, I request that all communication from Experian, Equifax, and TransUnion be sent via Certified U.S. Mail only to ensure accountability. 
Thank you for your immediate attention. I remain prepared to escalate further legal actions if these issues are not urgently resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation