Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
Consumer : XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Georgia Attorney General / District Attorney Subject : Equifax Noncompliance Illegal Re-Aging, Data Breach Negligence, and Demand for Enforcement & Restitution I am filing this complaint against Equifax Information Services LLC for repeated, willful violations of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. 


Case History & Noncompliance 1. CFPB Case # XXXX ( XX/XX/XXXX ) Equifax failed to delete the disputed XXXX XXXX XXXX account. 


2. CFPB Case # XXXX ( XX/XX/XXXX ) Equifax again ignored evidence and continued to report the account. 


3. Equifaxs Responses ( XX/XX/XXXX & XX/XX/XXXX ) : They re-aged the account by assigning a false DOFD of XX/XX/XXXX, despite GLSs own records proving delinquencies since XXXX. This violates FCRA 605 ( a ). 



Equifax has now surpassed the 15-day correction period I provided. Instead of deletion, they have engaged in stalling and false updates. 

Pattern of Consumer Harm Re-Aging : Illegal extension of negative reporting to damage my credit. 

Housing Denial : Ongoing false reporting has directly prevented me from securing housing. 

Data Breach Negligence : Equifax leaked my personal information in the XXXX breach, offering me only {$15.00} in restitution, while continuing abusive practices. 

XXXX XXXX : Multiple disputes and CFPB cases ignored, proving deliberate misconduct. 

Violations of Law FCRA 605 ( a ) : Reporting obsolete tradelines beyond 7 years. 

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) : Failure to ensure maximum possible accuracy. 

FCRA XXXX : Willful and negligent noncompliance, creating liability for statutory, actual, and punitive damages. 

FTC Authority : Unfair/deceptive acts under the FTC Act , given re-aging and breach failures. 

Relief Demanded 1. Immediate Enforcement Action : CFPB, FTC, and the Georgia Attorney General must hold Equifax accountable for re-aging and noncompliance. 

2. Mandatory Deletion : Full removal of the XXXX XXXX XXXX account from my credit report. 

3. Financial Restitution : Compensation for : Housing denial and higher costs. 

Emotional distress. 

Out-of-pocket dispute expenses. 

Breach-related damages ( beyond the insulting {$15.00} previously offered ). 

4. Civil Penalties : Agencies must impose fines to deter further consumer harm. 


5. Accountability in Writing : Agencies must provide written confirmation of actions taken against Equifax and restitution awarded. 


Closing Equifax has proven it can not be trusted to self-correct. They have ignored XXXX CFPB cases, re-aged my account to continue reporting illegally, and failed to protect my personal data. Enough is enough. I request immediate enforcement, penalties, and restitution. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief