Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX Equifax Information Services , LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : FOURTH AND FINAL NOTICE Pattern of Willful Noncompliance / Immediate Deletion Required Creditor : XXXX XXXX Bank XXXX, XXXX. Account Ending : XXXX CFPB Complaint # 1 : XXXX CFPB Complaint # 2 : XXXX Violations : FCRA XXXX ( b ), XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ), XXXX I. INTRODUCTION AND LEGAL POSTURE This is my fourth and final notice to Equifax regarding the above-referenced XXXX XXXX account. Equifax has now responded to XXXX separate CFPB complaints # XXXX and # XXXX with identical templated responses refusing to reinvestigate, citing dispute frequency as a basis for a frivolous designation. This pattern of conduct establishes willful noncompliance under FCRA XXXX as interpreted by the Supreme Court in XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Additionally, XXXX XXXX Bank XXXX, XXXX. has been formally notified of its obligation under FCRA XXXX ( b ) to correct its furnisher reporting to Equifax and XXXX to reflect the same positive payment history already provided to Experian. A separate CFPB complaint against XXXX XXXX as furnisher has been filed under complaint number XXXX. Equifax is hereby placed on final notice that continued refusal to correct this account will result in immediate referral to legal counsel for civil litigation under XXXX XXXX. XXXX. XXXX. FACTS OF RECORD FACT 1 EXPERIAN CORRECTED THIS ACCOUNT : Following investigation of the same dispute, Experian updated XXXX XXXXXXXX account ending in XXXX to reflect positive payment history and good standing. This correction constitutes confirmation that the previously reported late payments were inaccurate. FACT 2 XXXX XXXX HAS BEEN FORMALLY NOTIFIED OF ITS XXXX ( b ) OBLIGATION : On XX/XX/XXXX, formal written notice was served on XXXX XXXX Bank XXXX XXXX XXXX. demanding correction of its furnisher reporting to Equifax and XXXX to match the correction already provided to Experian. CFPB complaint # XXXX was simultaneously filed against XXXX XXXX as furnisher for this violation. FACT XXXX EQUIFAX HAS ISSUED XXXX IDENTICAL FRIVOLOUS REJECTIONS : Equifax responded to CFPB Complaint # XXXX on XX/XX/XXXX with a templated frivolous rejection. Equifax responded to the second CFPB complaint on XX/XX/XXXX with the exact same templated response word for word. XXXX identical boilerplate responses to XXXX separate well-documented complaints without addressing a single specific legal argument is direct evidence of a systemic failure to conduct any genuine reinvestigation. FACT 4 FRIVOLOUS DESIGNATION REMAINS LEGALLY INVALID : FCRA XXXX ( a ) ( XXXX ) permits a frivolous designation only when a dispute lacks sufficient information to investigate. Both complaints contained specific factual allegations, documentary evidence, cross-bureau inconsistency data, and CFPB complaint numbers. Rejecting these disputes as frivolous based solely on frequency is a willful misapplication of federal law. FACT 5 NO METHOD OF VERIFICATION EVER PROVIDED : Across XXXX rounds of dispute correspondence and XXXX CFPB complaints, Equifax has never once disclosed the method, source, documentation, or personnel used to verify the disputed late payments. This independent violation of FCRA XXXX ( a ) ( XXXX ) remains unaddressed and unresolved. FACT XXXX EQUIFAX ACKNOWLEDGED UPDATED FURNISHER DATA BUT FAILED TO CORRECT : In its XX/XX/XXXX CFPB response, Equifax confirmed that XXXX XXXX provided updated furnisher data including modifications to Account History, Charge Off Amount, Scheduled Payment, and Additional Information. Despite acknowledging these updates, Equifax failed to delete the late payment history a direct internal contradiction that independently violates FCRA XXXX ( a ) ( XXXX ) ( A ). XXXX. LEGAL VIOLATIONS VIOLATION XXXX FCRA XXXX ( b ) : Failure to Follow Reasonable Procedures to Assure Maximum Possible Accuracy. Equifax continues to report late payments that Experian has corrected to good standing on the identical account from the identical furnisher. This cross-bureau inconsistency now confirmed across XXXX rounds of dispute and XXXX CFPB complaints is conclusive evidence that Equifax 's procedures are insufficient to assure maximum possible accuracy. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). VIOLATION XXXX FCRA XXXX ( a ) ( XXXX ) : Failure to XXXX a Reasonable Reinvestigation. Equifax has issued XXXX identical templated responses without conducting any genuine reinvestigation of the specific violations raised. A reinvestigation that consists of copying and pasting the same boilerplate refusal across XXXX separate complaints can not satisfy the reasonable reinvestigation standard. See XXXX v. XXXX XXXX. Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ). VIOLATION XXXX FCRA XXXX ( a ) ( XXXX ) : Improper Frivolous Designation Pattern of Willful Misapplication. Equifax has now applied an improper frivolous designation twice to the same account across XXXX separate CFPB complaints. Section XXXX ( a ) ( XXXX ) requires that a dispute lack sufficient information not that it be repetitive. The repetitive application of this invalid standard to well-documented disputes establishes a pattern of willful noncompliance. See XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). VIOLATION XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) : Failure to Delete Inaccurate Information After Reinvestigation. Equifax acknowledged updated furnisher data from XXXX XXXX yet failed to delete the late payment history. When reinvestigation reveals information that can not be verified as accurate, deletion is mandatory not discretionary. VIOLATION XXXX FCRA XXXX ( a ) ( XXXX ) : Failure to Provide XXXX of XXXX. Equifax has never disclosed the method, source, or documentation used to verify the disputed late payments across XXXX dispute rounds and XXXX CFPB complaints. This is an independent statutory violation entitling me to statutory damages regardless of the outcome of the underlying dispute. IV. DAMAGE QUANTIFICATION XXXX independent violations of FCRA XXXX represent minimum statutory exposure of {$500.00} to {$5000.00}, exclusive of actual damages arising from : Adverse credit decisions and increased borrowing costs Suppressed credit score across multiple scoring models Emotional distress and time expended across XXXX dispute rounds and XXXX CFPB complaints Costs of preparing and submitting dispute correspondence Equifax 's issuance of XXXX identical templated frivolous rejections to XXXX separate well-documented CFPB complaints without addressing a single specific legal argument raised constitutes the reckless disregard for consumer rights required to sustain a willful violation claim under XXXX XXXX XXXX XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). V. FORMAL DEMAND Equifax is hereby formally demanded to, within XXXX ( XXXX ) days of receipt of this letter : DELETE all late payment notations associated with Capital XXXX account ending in XXXX from my Equifax consumer file immediately ; Provide written confirmation of said deletion to my address on file ; Provide the complete Method of Verification for all prior reinvestigation results on this account, including the identity of the source contacted and documents reviewed ; Notify all parties who received my consumer report within the past 24 months of the correction, pursuant to FCRA XXXX ( XXXX ). This is my final written notice before referral to legal counsel. Failure to comply within fifteen ( XXXX ) days will result in immediate filing of civil action under XXXX XXXX. XXXX seeking statutory damages, actual damages, punitive damages, and attorney 's fees, as well as simultaneous referral to the Federal Trade Commission and the Attorney General of the State of New York. Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation