Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
o Whom It May Concern, This is a formal dispute and final demand for Equifax to immediately correct false and damaging information being reported on my credit file. The following tradelines contain inaccurate late payment reporting : XXXX XXXX XXXX ( showing 30 days late in XX/XX/XXXX ) XXXX XXXX Acct. ( showing 30 days late in XX/XX/XXXX ) XXXX XXXX late payment history inaccurately reported I have previously disputed these errors. Equifax responded with verified results but failed to provide the legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). This alone is a blatant violation of my rights.

Equifaxs FCRA Violations 1. FCRA 607 ( b ) CRAs must maintain maximum possible accuracy. Equifax is kno
wingly publishing false late payments.

2. FCRA 611 ( a ) ( 1 ) Requires a reasonable reinvestigation. Instead of conducting one, Equifax si
mply parroted the furnishers data through the e-OSCAR system. This is the definition of a sham investigation.

3. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requires Equifax to disclose the Method of Verification when an account is verified. Equifax has not done this, denying me my statutory rights.

Regulatory Enforcement Against Equifax This is not an isolated mistake it is part of Equifaxs documented misconduct : In CFPB v. Equifax ( XXXX & XXXX Consent Orders ), regulators concluded that Equifax repeatedly engaged in sham investigations by failing to meaningfully reinvestigate consumer disputes, instead regurgitating data from furnishers via e-OSCAR. 
The CFPB and FTC both ordered Equifax to stop these unlawful practices and warned of civil penalties for repeat violations. 
By mishandling my dispute in the same unlawful way, Equifax is in willful contempt of those federal enforcement orders.

Equifax Data Breach ( 2017 ) Equifax also exposed the personal data of 147 million Americans, including my SSN and address. That breach makes consumers like me especially vulnerable to erroneous reporting and fraud. Equifaxs ongoing refusal to fix false data after its own breach constitutes gross negligence.

Required Corrective Action I am not requesting deletions of these tradelines. Instead, I demand that Equifax immediately : Correct payment history for XXXX, XXXX, and XXXX to reflect Paid as Agreed/ On Time. 
Apply the proper e-OSCAR dispute codes, including : XXXX Inaccurate information, update to correct XXXX Payment history inaccurate Provide me with the Method of Verification ( MOV ) used in prior disputes. 
Issue a corrected copy of my Equifax credit report reflecting these changes. 



Final Notice Before Escalation If Equifax fails to comply within 15 days of receipt of this letter, I will : File formal complaints with the CFPB, FTC, and North Carolina Attorney General, specifically citing Equifaxs pattern of sham investigations. 
Pursue civil litigation under FCRA 616 and 617 for statutory damages ( {$1000.00} per violation ), actual damages, attorneys fees, and punitive damages for willful noncompliance. 

Equifax has already been investigated, fined, and placed under orders for these exact violations. Continuing this misconduct in my case will be treated as willful, reckless, and deliberate consumer harm. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX previously provided )

Company response to consumer: Closed with non-monetary relief