Consumer complaint received 2025-04-10 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: OK

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF ERRONEOUS ACCOUNTS AND INACCURATE PAYMENT HISTORY CFPB v. Experian ( 2025 ) | FCRA 611, 616 | FDCPA 809 To Whom It May Concern : This letter serves as **formal notice** and a **final demand** to immediately remove all unverified, inaccurate, and fraudulent accounts from my credit report ( file # XXXX ). 
Your agency has repeatedly violated federal consumer protection laws, including the **Fair Credit Reporting Act ( FCRA ) ** and the **Consumer Financial Protection Bureau ( CFPB ) Consent Order ( 2022 ) ** by refusing to correct blatant inaccuracies despite my exhaustive disputes and documented evidence. 

**Key Violations and Legal Basis** 1. **Sham Investigations and Lack of Permissible Purpose** For over XXXX XXXX, XXXX has failed to conduct a lawful, good-faith reinvestigation of disputed accounts under **FCRA 611 ( a ) ( 1 ) ( A ) **. Multiple creditors see page of creditors I have confirmed **in writing** that they *never received any communication* from XXXX regarding these disputes. Your refusal to validate debts or obtain verifiable proof of ownership or payment history violates **FCRA 607 ( b ) **, which mandates that credit bureaus report only accurate information with a permissible purpose.

2. **CFPB
v. Experian ( 2022 ) Precedent** In 2022, the CFPB fined Experian ** {$3.00} million** for systematically deceiving consumers about credit scoring and failing to resolve disputes. Like the victims in that case, I have been harmed by your agencys reckless disregard for federal law. Continued non-compliance will result in immediate escalation to the CFPB and inclusion of this conduct in a civil lawsuit. 

3. **Willful Non-Compliance with FCRA 616** Your agencys refusal to correct inaccuracies constitutes **willful negligence**, entitling me to statutory damages of ** {$1000.00} {$3500.00} per violation**, actual damages, punitive damages, and attorney fees under **FCRA 616**. I have repeatedly disputed these items for over XXXX  years and your refusal to provide me the method of how you obtained this fraudulent information has left me with no choice but to pursue civil lawsuit. 

**Demands** According to FCRA 605B within XXXX days of receipt of this letter, you must : 1. **Delete all disputed accounts and associated late payments from my credit file.

2. Provide written confirmation of these deletions and a revised credit report.

3. Cease reporting any unverified information to third parties.

**Legal Action** Failure to comply will compel me to file a lawsuit in federal court under **FCRA 616**, **FDCPA 809**, and 15 USC 1681b for : - Willful non-compliance with FCRA investigation requirements. 
- Defamation of credit character. 
Emotional distress and financial harm. 

I have expressed on many occasions that I do not agree with the results of your investigation.I have provided you each time with my personal identification documents, FTC report and data breach report from Equifax that I was a victim of a Data Breach. You have ignored my disputes and continue to report information that is not mine. Since my first dispute you have NEVER provided me any evidence of how you investigated/ verified my many disputes. I honestly believe that you do not investigate anything and are instead paid to keep this fraudulent information on my report. I am demanding {$50000.00} from Equifax for the willful non-compliance with the FCRA investigation requirements and violating my rights for approximately XXXX years. 
Since you refuse to allow me to dispute on your website portal and via the telephone I be sending a copy of my dispute to my Attorney General XXXX XXXX, Consumer Financial Protection Bureau and the Better Business Bureau. I will also petition the CFPB and my state Attorney General XXXX XXXX to reopen investigations into Equifax unlawful practices. 

I am requesting that you mail me the proof of your investigation methods and and proof that these debts and late payments belongs to me.Also, explain to me how you have accounts, personal information and payment status listed from me that XXXX and Equifax does not have on my credit profile? I have shown you on my disputes that each account has inaccurate details on it. 

**Enclosures** - Creditor affidavits/communications confirming Equifax lack of contact CFPB v. Experian ( 2022 ) consent order excerpts Identity documents FTC Report This is your final opportunity to resolve this matter without litigation. 

Kind regards, XXXX XXXX XXXX : ** Consumer Financial Protection Bureau XXXX CFPB ) Oklahoma State Attorney General XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING : NAME : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief