Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT & FORMAL NOTICE TO CURE Filed by : XXXX XXXX. XXXX Subject : Formal Pre-Litigation Notice FCRA Violations, Collusion, and Reckless Misconduct by Equifax Information Services LLC To Whom It May Concern, This complaint and accompanying Notice to Cure are being submitted pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Federal Trade Commission Act ( 15 U.S.C. 45 ), and relevant federal criminal statutes including 18 U.S.C. 1001 ( False Statements ), 1343 ( Wire Fraud ), and XXXX ( RICO predicate activity ). This matter is currently being reviewed for federal civil litigation in the Middle District of Florida.

I. Background and Supporting Evidence Equifax has knowingly and willfully : Deleted two positive XXXX XXXXXXXX accounts in XX/XX/XXXX without my request, dispute, or authorization accounts ending in XXXX and XXXX thereby fraudulently altering my credit file and suppressing my creditworthiness. 
Continued reporting unverified and inaccurate accounts from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, all disputed and removed by XXXX 
Closed disputes within 2 to 10 days ( Dispute IDs XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), proving no reasonable reinvestigation occurred. 
Ignored legally submitted evidence under 1681i ( a ) ( 4 ), including dispute records, XXXX XXXX screenshots, and written notices. 
Failed to send proper dispute result letters, violating 1681i ( a ) ( 6 ). 

Supporting documents include : XXXX XXXXXXXX adverse action letter ( XX/XX/XXXX ) showing denial due to Equifax errors. 
XXXX XXXX limit reduction ( XX/XX/XXXX ) due to Equifaxs file. 
Equifaxs continued silence and systemic delay in curing these accounts.

II. Legal Violations & Federal Exposure Equifaxs actions amount to : 1. FCRA Violations 1681e ( b ) : Failure to ensure accuracy.

1681i ( a ) : Failure to reinvestigate disputes.

1681i ( a ) ( 4 ) : Ignoring consumer-provided documentation.

1681i ( a ) ( 5 ) : Failure to delete unverifiable accounts.

1681s-2 ( a ) ( 8 ) : Failure to correct known erroneous disputes.

2. Deceptive Acts FTC Act 5 ( 15 U.S.C. 45 ) Equifax knowingly misrepresented the results
of dispute investigations and continued furnishing false and damaging credit data.

3. Criminal Exposure Wire Fraud 18 U.S.C. 1343 : Transmitting knowingly false credit data to banks and creditors.

False Statements 18 U.S.C. 1001 : Falsely certifying dispute results submitted to the CFPB.

Credit Extortion 18 U.S.C. 894 : Retaining false derogatory tradelines to coerce payment.

Conspiracy/RICO 18 U.S.C. 1962 ( c ) : Ongoing collaboration with furnishers to suppress and manipulate consumer credit files for profit.

III. Harm & Impact As a result of Equifaxs misconduct : I was denied credit by XXXX XXXX ( XX/XX/XXXX ) My XXXX XXXX spending limit was reduced ( XX/XX/XXXX ) My credit limits were slashed, and credit offers withdrawn I have experienced reputational harm, emotional distress, and measurable financial loss IV. Notice to Cure & Pre-Litigation Demands This letter constitutes formal Notice to Cure. If Equifax fails to resolve the following items within 15 calendar days, I will proceed with legal action : Demands : 1. Restore the two deleted positive XXXX XXXX accounts ( XXXX and XXXX ) 2. Permanently delete the following inaccurate and unverifiable accounts : XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX 3. Provide written confirmation of all actions taken 4. Provide timestamps, employee IDs, and verification methods for prior disputes V. Public & Legal Exposure If Ignored If Equifax fails to cure, I will pursue : Federal lawsuit in the Middle District of Florida ( drafted and ready for filing ) Class action recruitment through national legal platforms and CFPB database Public disclosure of Equifaxs negligence and misconduct across major social media and consumer rights forums Formal complaints to the FTC, U.S. Attorneys Office, State Attorney General, and CFPB oversight counsel VI. Damages Incurred ( Current Estimate ) {$16000.00} Positive account deletions {$12000.00} Ongoing inaccurate reporting by XXXX {$12000.00} Inaccurate XXXX  accounts {$10000.00} Emotional distress, credit score damage Total : $ XXXX ( subject to increase with attorneys fees and punitive damages ) VII. Final Warning Equifax is not above the law. Your data suppression, silence, and collusion with furnishers to retain derogatory tradelines after lawful disputes is not only unlawful it is actionable. If no resolution is received, litigation will commence without further notice. 

Respectfully, XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation