Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
PRE-LITIGATION NOTICE INTENT TO SUE Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Imminent Legal Action for Continued Violations of the Fair Credit Reporting Act ( FCRA ), FTC Act, and Deceptive Trade Practices Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX$200.00} Collection Account Assigned XX/XX/XXXX To Whom It May Concern : This formal pre-litigation demand is being issued in response to Equifaxs willful, reckless, and deceptive actions, in direct collaboration with XXXX XXXX XXXX XXXX which continue to violate the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission Act ( FTC Act ), and multiple consumer protection laws. 

These entities are now jointly and severally liable for tens of thousands of dollars in statutory damages and are on notice of an impending legal claim unless immediate corrective action is taken. 



XXXX XXXX XXXX XXXX Ongoing Violations Across All Federal Standards XXXX XXXX XXXX has knowingly reported two separate accountsXXXX and XXXX XXXX  my Equifax report for over two years. These accounts : Have been previously deleted from both XXXX and XXXX after being challenged for accuracy. 
Continue to appear on Equifax, despite being proven to reflect false balances, manipulated payment history, and no legitimate consumer authorization. 
Were reported without proper balance updates, lawful disclosures, or FCRA-compliant reinvestigation procedures. 

This continued reporting is not an accidentit is intentional deception. 

FACT : Equifaxs ongoing verification of these accounts despite removal from all other bureaus is a willful FCRA violation under 15 U.S.C. 1681e ( b ) and 1681s-2. 
FACT : Both XXXX accounts have reflected inaccurate balances for 24 months, which equates to at least {$24000.00} per account in potential statutory fines under FCRA 1681n. 

This is not merely negligentits fraudulent by design and punishable in court. 



II. Equifaxs Complicity in Sham Investigations & CFPB Litigation Equifax is already facing federal lawsuits and has been fined over {$15.00} XXXX for conducting fabricated investigations, ignoring consumer disputes, and failing to remove unverifiable data. 

Your agency has now : Verified an account ( XXXX ) that XXXX itself removed from two other CRAs, which proves no reasonable reinvestigation took place. 
Allowed multiple XXXX  entries to remain for over two years with false data, triggering statutory fines that exceed {$48000.00} and counting.

Repeatedly violated FCRA 1681i by refusing to investigate or correct disputed items in good faith. 

You know this is illegal. Your general counsel knows this is illegal. Your regulatory risk team knows the damages coming your way are immense. 



XXXX. XXXX XXXX XXXXXXXX Account Illegal and Unverifiable Equifax is also reporting a fraudulent {$200.00} collection account assigned to XXXX XXXX XXXX on XX/XX/XXXX. 

To date : No Forward Flow Agreement, Purchase Agreement, or assignment documentation has been produced. 
The debt collector is operating without proof of ownership or legal collection authority. 
There is no documentation validating the debt, in direct violation of FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ).

This is a blatant attempt to collect and report a debt without legal standing, and it constitutes an extortionate collection practice under 18 U.S.C. 894.

IV. Legal Liability and Damage Assessment As of today, Equifax and XXXX are collectively liable for : FCRA Statutory Damages : {$1000.00} per violation per month {$48000.00} minimum ( 2 accounts x 24 months ) Actual & Punitive Damages : Ongoing credit damage, blocked financial opportunities, emotional harm FDCPA Violations : XXXX XXXX collection attempt without validation FTC Act Violations : Repeated deceptive reporting, sham reinvestigations, failure to notify consumers V. DEMANDS FOR IMMEDIATE RESOLUTION XXXX. Permanently delete both XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXXXXXX ) from my Equifax report. 
XXXX. Immediately delete the XXXXXXXX XXXX  collection account due to lack of legal assignment and debt validation. 
3. Disclose all reinvestigation records, verification timestamps, and internal communications used to verify the XXXX and XXXX accounts. 
4. Provide written confirmation within 10 business days that these accounts have been deleted and will not be reinserted under FCRA 1681i ( a ) ( 5 ) ( B ).

VI. FINAL NOTICE LAWSUIT IS IMMINENT If I do not receive complete compliance within 10 business days, I will initiate a formal lawsuit in U.S. District Court, naming : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( if applicable ) The claim will include all violations listed above and seek : Actual and statutory damages Punitive damages Legal fees and injunctive relief Regulatory complaints to the CFPB, FTC, and Louisiana Attorney General You are out of time. You are out of excuses. This is your final opportunity to mitigate damages before your misconduct is exposed in court. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation