Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Third Dispute Demand for Immediate Removal of Fraudulent Items Under Federal and California Law To Whom It May Concern, This letter serves as my third formal dispute regarding several fraudulent and inaccurate entries on my Experian credit report. You have failed to conduct a proper investigation in compliance with federal and state law. Each time I have submitted a dispute, Experian has returned with a verified response within 24 hours, including during a prior dispute submitted intentionally on a Saturday, when the businesses in question were closed. This proves that Experian is not following the legally required investigation procedures under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ) and is instead committing willful fraud and negligence by falsely validating disputed items.

Pursuant to California Civil Code 1785.16 ( k ) and FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information. Your repeated failures to do so violate both state and federal law. As a legally recognized victim of identity theft, I demand immediate compliance. If these items are not permanently deleted within 14 calendar days, I will no longer deal directly with Experian, and I will authorize the legal counsel I have consulted to initiate litigation. I have retained evidence of Experians negligence and falsified dispute processing.

Further, my name has been legally changed by court order from XXXX XXXX XXXX XXXX to XXXX XXXX. Please update your records accordingly and delete ALL former names and addresses associated with me, which include : Names to be removed : XXXX XXXX XXXX XXXX XXXX XXXX Address to be removed : XXXX XXXX XXXX, XXXX XXXX, TX XXXX As required by FCRA 605B ( 15 U.S. Code 1681c-2 ) and California Civil Code 1798.93, all fraudulent items must be blocked from my credit report when a police or FTC report has been filed, which has been done in this case.

The following accounts and inquiries must be immediately and permanently removed : Accounts to be Deleted Immediately : Current/CRB Not authorized, fraudulent, never opened by me. 

XXXX XXXX XXXX ( XXXX : XXXX ) Never opened by me. Original creditor provided a delayed response after nearly 80 days with no proof. Violation of FCRA 611 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX I have no contract or agreement with this entity or its subsidiaries. This is fraud. 

XXXX XXXX, unauthorized account. Identity theft. 

XXXX XXXX Already removed in prior dispute. Currently in active litigation and Experian has illegally reinserted the account. Remove immediately. 

XXXXXXXX XXXX XXXX Never authorized, not validated, and thus illegal to report. Remove at once. 

XXXX XXXX XXXX XXXX XXXX FCRA violations including re-aging of debt, and reporting a balance where one does not exist ( insurance claim paid by creditor ). Remove all XXXX accounts or Experian will be added as a defendant in current legal proceedings. 

XXXX XXXX Contains known fraudulent charges, and issuer declined investigation in violation of FCRA 1681s-2 and state law. Remove immediately. 

XXXX / XXXXXXXX XXXX XXXX XXXX Identity theft. Unauthorized. Remove now.

Inquiries to Be Removed Due to Fraud and Lack of Authorization : Fraudulent / Identity Theft Related ( Police + FTC Report Filed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XXXX These inquiries were made without my knowledge or authorization and must be removed under FCRA 604 ( a ) ( 2 ) and California Civil Code 1785.11.1 ( b ).

FINAL WARNING : If you fail to remove these items or respond with legally sufficient evidence of validation within 14 days of receipt, I will file suit under FCRA 616 and 617 and California Civil Code 1785.31, seeking statutory damages, actual damages, punitive damages, and attorneys fees. I will also pursue complaints with the Consumer Financial Protection Bureau ( CFPB ), California Attorney General, and FTC for willful and repeated noncompliance.

You are now on legal notice. No further excuses. No more generic template responses. Comply with the law, or face civil action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with non-monetary relief