Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am writing to escalate my dispute regarding the account : XXXX XXXX XXXX Account # : XXXX due to your company 's willful and repeated violation of the Fair Credit Reporting Act ( FCRA ) in handling my initial, properly submitted dispute. 

On XX/XX/year>, I filed a comprehensive dispute through the Consumer Financial Protection Bureau ( CFPB ) portal, Case # XXXX. As part of that submission, and in strict adherence to the CFPB 's standard procedure, I attached the following documents to verify my identity and address : A copy of my valid Driver 's License.

A copy of my Social Security Card. 

A copy of my XX/XX/year> utility bill, clearly showing my name and current address at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite this, Equifax has apparently closed my dispute internally and issued a letter ( consistent with your actions on my simultaneous XXXX dispute ) falsely claiming insufficient proof of identity. This is a bad-faith tactic to avoid your legal obligation to reinvestigate.

Your actions constitute a clear violation of 15 U.S.C. 1681i ( a ), which mandates that you conduct a reasonable reinvestigation upon receipt of a dispute. By ignoring the official documentation channel of the CFPB a federal agency you are acting in reckless disregard of your statutory duties. This is not an isolated incident but a demonstrated pattern of behavior, as evidenced by your identical response to my separate dispute.

II. Legal Demands and Consequences Pursuant to my rights under the FCRA, and due to your failure to comply with the law, I now demand the following : Immediate Deletion of the XXXX XXXX XXXX Account : Your failure to initiate a reinvestigation upon receipt of a complete and properly documented dispute is a serious procedural failure. Therefore, the continued reporting of this account is unlawful. I demand you permanently delete the XXXX XXXX XXXX account ( Account # : XXXX ) from my credit file immediately. 

Cessation of Frivolous and Redundant Identity Verification : The documentation provided is legally sufficient and was submitted through an official, federally-managed portal. Any further requests for these same documents are a transparent stalling tactic and will be documented as evidence of willful non-compliance.

Confirmation of Deletion : You must provide me with written confirmation, via the CFPB portal, that the XXXX XXXX XXXX account has been deleted and an updated credit report reflecting this change. 

Your company 's consistent use of this tactic across multiple disputes demonstrates a systemic failure to maintain reasonable procedures as required by 15 U.S.C. 1681e ( b ). This is a " round two '' dispute. I have already fulfilled my obligations. Equifax has not.

If you fail to delete this account immediately and provide confirmation, I will have no alternative but to interpret your actions as a willful and knowing
violation of the FCRA. I will proceed with filing a lawsuit in a court of competent jurisdiction for : Willful noncompliance with the FCRA ( 15 U.S.C. 1681n ).

Negligent noncompliance with the FCRA ( 15 U.S.C. 1681o ). 

Actual, statutory, and punitive damages, along with attorney 's fees and court costs. 

Do not send another form letter. The only acceptable resolution is the immediate deletion of the disputed XXXX XXXX XXXX account. 

I have attached the SAME identifying documents as i have in my initial dispute as further proof of your negligance.

Company response to consumer: Closed with non-monetary relief