Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
FINAL NOTICE OF WILLFUL NONCOMPLIANCE AND DEMAND FOR PERMANENT DELETION To Whom It May Concern, This complaint is being submitted as a final notice prior to legal escalation under the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Billing Act ( FCBA ), and applicable state laws. Despite repeated disputes, your company continues to publish data that is either unverifiable, inconsistent across credit bureaus, or reinserted without proper notice all of which violate my consumer rights.

I have documented proof that your reinvestigation procedures failed to meet the requirements of 15 USC 1681i, including the obligation to provide a legally sufficient Method of Verification ( MOV ). To date, I have not received any documentation supporting the legitimacy of the accounts I disputed, nor a detailed explanation identifying the party who verified them. The generic responses youve provided e.g., " verified as accurate '' are insufficient under federal law. 

Additionally, I have reason to believe your response processes rely on form letters, which disregard the unique details of each consumer dispute. This practice is unlawful and violates 15 USC 1681i ( a ), which requires that each dispute be addressed individually. If you have delayed or dismissed any disputes based on third-party assistance assumptions, I consider this an unlawful exception, and I reserve my right to seek legal remedy. 

The following accounts are being formally challenged : XXXX. XXXX Account XXXX XXXXXXXX Experian has deleted this tradeline as unverifiable. 

Equifax and TransUnion continue to report it in derogatory form with inconsistent status codes. 

These inconsistencies violate 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 standards for accurate, complete, and uniform reporting. 

No documentation has been provided to legally verify this tradeline. 

Demand : Immediate and permanent deletion from Equifax and TransUnion. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX Equifax has deleted this tradeline. 

TransUnion does not report it at all. 

Experian is the only bureau continuing to report this unverifiable derogatory data. 

No MOV or reinsertion notice was issued as required under 15 USC 1681i ( a ) ( 5 ) ( B ). 

This selective reporting is inaccurate and misleading, and a clear Metro 2 compliance failure.

Demand : Immediate and permanent deletion from Experian. 

Other Violations and Concerns : I have not received the mandatory 5-day reinsertion notice under 15 USC 1681i ( a ) ( 5 ) ( B ) for any items repopulated after removal.

Your continued reliance on automated, generic, or non-responsive form letters violates the individual handling standards of 15 USC 1681i. 

Your refusal to remove these unverifiable accounts constitutes willful noncompliance under 15 USC 1681n and entitles me to pursue damages.

The Metro 2 Field Formatted Reporting Guidelines, as administered by the CDIA, require consistent and accurate reporting which has not occurred.

These accounts are actively harming my credit profile and have caused suppressed FICO scores, loss of financial opportunity, and measurable emotional and financial harm. 

This is not a frivolous dispute. I reserve the right to pursue a writ of review in civil court and file formal actions with the FTC, my state Attorney General, and the Office of the Inspector General if my concerns are not resolved.

Company response to consumer: Closed with non-monetary relief