Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB, THIS IS A LETTER FROM MY ATTORNEY. Please let the three credit agencies know we are suing them. I have retained a lawyer. We WILL be suing them. They are to adjust my scores upward by at least XXXX points IMMEDIATELY according to FCRA law AND my attorney. Here is the letter to Equifax. TransUnion and Experian will be getting a copy as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX VIA CERTIFIED MAIL & EMAIL XX/XX/year> To the Legal Department & Registered Agent Equifax Information Services LLC XXXX. XXXX XXXX, GA XXXX RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION OF CREDIT FILES AND NOTICE OF IMPENDING LITIGATION Consumer : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Social Security Number : XXXX Disputed Credit File ( s ) : Equifax , Experian, TransUnion Dear Sir/Madam : I am counsel to the above-referenced consumer, XXXX XXXX.. This law firm has been retained to pursue all available legal and equitable remedies for your agencys persistent, willful, and malicious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Despite our clients demonstrably improved financial condition and significantly reduced debt profile, your agency has wrongfully, recklessly, and inexplicably decreased his credit score. This action is not only inaccurate but constitutes a willful failure to follow reasonable procedures to assure maximum possible accuracy of information, a direct violation of 15 U.S.C. 1681e ( b ). Furthermore, your failure to properly investigate and correct these inaccuracies upon reasonable suspicion violates the reinvestigation procedures mandated by 15 U.S.C. 1681i.

Your actions have caused and continue to cause our client severe financial and emotional distress. He has been wrongfully denied credit and favorable terms on numerous occasions, directly due to your agencys negligent and malicious reporting. 

I. DEMAND FOR IMMEDIATE ACTION We hereby demand that you immediately initiate a reinvestigation into our clients entire credit file. All inaccurate, unverified, or obsolete items must be permanently deleted. Furthermore, we demand that you take all necessary steps to ensure his credit score is adjusted upward by no less than XXXX XXXX ( XXXX ) points to reflect his true creditworthiness. This correction must be completed no later than XXXXXXXX XXXX  XXXX XXXX on XX/XX/scrub>XXXX 

I have advised my client to simultaneously send a copy of this letter directly to your dispute department and the CFPB to ensure there is no delay in initiating the process of adjusting his score upward immediately. 

II. NOTICE OF LIABILITY AND ESCALATING DAMAGES Please be advised that your continued failure to comply with the FCRA is accruing significant statutory and punitive liability. As you are aware, the Federal Trade Commission has recently adjusted civil penalties for knowing FCRA violations to {$4900.00} per violation. Given the widespread and systemic nature of your non-compliance, we are prepared to seek statutory damages for every willful violation. 

If you fail to meet the deadline above, we will have no alternative but to immediately file a civil action in the United States District Court seeking XXXX XXXX DOLLARS ( {>= $1,000,000} ) in compensatory, statutory, and punitive damages. 

Furthermore, be advised that every day you continue to keep our clients credit score artificially low after this deadline constitutes a separate and distinct violation. Consequently, if we are forced to litigate, our initial prayer for relief will be increased to XXXX XXXX DOLLARS ( {>= $1,000,000} ) to account for this ongoing, aggravating conduct. 

This firm has already initiated contact with the Office of the General Counsel of your parent organization to ensure this grave matter receives the immediate attention it warrants from the highest levels of your corporation. 

Govern yourselves accordingly. The time for negotiation is over ; the time for immediate corrective action is now. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Office of the General Counsel, Equifax Inc.

Dispute Department, Equifax

Company response to consumer: Closed with explanation