Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
TO : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Intent to Sue for FCRA & CFPA Violations Failure to Remove Inaccurate/Incomplete Accounts To Whom It May Concern, The Burden is on Equifax This letter is a formal notice of my intent to pursue legal action against your organization for noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. & Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 and 5536 On dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ], I submitted formal disputes regarding inaccurate and/or incomplete information listed on my credit report. Equifax continues to fail to maintain reasonable procedures to ensure the highest possible accuracy of consumer informationboth in its handling of consumer disputes and in its credit reporting systems. Due to these failures, including a known coding error, Equifax is providing inaccurate credit scores and credit attributes to lenders and other third parties, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 607 ( b ) Equifax continues to engage in unfair practices by relying on inadequate systems and flawed proceduresmarked by known limitations, data loss, and an overreliance on furnisherswhen handling consumer dispute reinvestigations, which is a violation of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. XXXX  and XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account ending in XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account ending in XXXX These accounts are either inaccurate, outdated, unverifiable, or reported in a manner that misrepresents my credit standing. Despite submitting proper documentation and dispute requests, Equifax, the credit reporting agency has failed to conduct a reasonable investigation or to correct or remove the incorrect data within the time allotted under federal law.

As you are fully aware, under the FCRA, you are required to remove or correct any information that can not be verified, is inaccurate or is incomplete within 30 days of a consumer dispute. These accounts are clearly inaccurate or incomplete. The continued reporting of these accounts without proper investigation is a direct violation of your statutory obligations.

You now have 15 calendar days from receipt of this notice to take immediate action and : 1. Remove or correct the inaccurate information listed above ; and 2. Provide me with updated copies of my credit reports reflecting the changes.

Failure to comply will leave me no choice but to initiate legal proceedings against Equifax. I am fully prepared to pursue the following remedies under the FCRA. This continued inaction is not only negligent but a willful violation of federal law. I have preserved documentation of my dispute, your responses ( or lack thereof ), and all supporting evidence. Unless the information is properly corrected or removed within 15 calendar days from receipt of this notice, I will proceed with legal action without further notice. I am prepared to seek damages for : Willful and/or negligent noncompliance with the FCRA Emotional distress and reputational harm Actual damages and statutory damages up to {$1000.00} per violation Punitive damages and attorney fees, as permitted under law This is not a threat ; it is a final opportunity to resolve this matter amicably. I strongly suggest Equifax legal department reviews this case immediately and acts accordingly to avoid further legal consequences. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation