Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX XXXX XXXX, GA XXXX TRANSUNION XXXX XXXX. XXXX XXXX XXXX, PA XXXX DATE : XX/XX/XXXX SUBJECT : FINAL DEMAND IMMEDIATE REMOVAL OF ILLEGALLY REINSERTED ACCOUNTS & {$25000.00} SETTLEMENT DEMAND LITIGATION IMMINENT TO THE LEGAL & COMPLIANCE TEAMS OF EQUIFAX & TRANSUNION : This is your last and final warning before you face a federal lawsuit that will destroy your credibility and cost you millions. You have willfully and knowingly violated the Fair Credit Reporting Act, specifically 1681c-2 ( c ), by reinserting accounts previously blocked and deleted due to documented identity theft without meeting any legal requirements. 
Your shameless attempts to stall, mislead, and falsely label my valid dispute as frivolous are blatant acts of bad faith and open contempt for the law. You have XXXX legal grounds to report these accounts yet you continue to damage my credit and ignore the law. 
HERES WHAT YOU MUST DO IMMEDIATELY : Permanently delete the following accounts from all consumer reports : XXXX XXXX XXXX  Account number XXXX Equifax XXXX XXXX Account Number XXXX Equifax XXXX XXXX XXXX XXXX  Account number XXXX TransUnion Pay me {$25000.00} as settlement for your willful violations, reckless conduct, and the financial and emotional damage youve caused. 
Provide full and complete method-of-verification documentation under 15 U.S.C. 1681g, including all communications with furnishers, internal notes, and verification procedures for each disputed account. 
Provide written confirmation of compliance within XXXX XXXX of receiving this demand. 
LEGAL PRECEDENT YOU ARE ALREADY LOSING : Dennis v. Experian ( 2017 ) Experian settled for {$30000.00} in damages after illegally reinserting identity theft accounts without proper verification. Your conduct mirrors this case exactly. 
Cortez v. TransUnion, 617 F.3d 688 ( 3d Cir. 2010 ) Jury awarded {$50000.00} in actual damages plus {$750000.00} in punitive damages for failure to properly reinvestigate and relying on automated systems. This is exactly what you are doing. 
Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Courts require credit bureaus to conduct independent investigations, not parrot furnisher data blindly. Your automated processes violate this mandate. 
FAILURE TO COMPLY WILL TRIGGER IMMEDIATE LITIGATION : My attorneys are standing by to file suit immediately upon expiration of the XXXX deadline. The lawsuit will seek : Statutory damages of {$1000.00} per violation multiplied by the number of reinsertion violations. 
Actual damages for harm caused, including emotional distress. 
Punitive damages for your willful and reckless disregard of federal law. 
Recovery of attorneys fees and court costs. 
BE CLEAR : I am not bluffing. Your illegal reinsertion of these accounts is a massive violation of consumer rights and the law. Youve had every chance to comply and fix this you chose to ignore it. 
Pay up {$25000.00} and delete the accounts NOW, or prepare for a devastating federal lawsuit.

Company response to consumer: Closed with explanation