Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
This letter serves as a final demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for the immediate removal of a fraudulent XXXX XXXX account from my Equifax credit file. Despite multiple disputes, including my most recent submission to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX ), Equifax has failed to block this fraudulent account as required by federal law. The Consumer Financial Protection Bureau is monitoring this matter through my complaint. This ongoing noncompliance is causing significant harm to my credit profile, including denied credit opportunities and emotional distress, and violates my consumer rights. 

Fraudulent Account in Question : XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Fraudulent Amount : {$8600.00} ( Charged-Off ) Timeline of Dispute Submissions : I have diligently pursued resolution, submitting disputes and supporting documentation, including my FTC Identity Theft Report ( # XXXX ), government-issued ID, and proof of address. Key submissions include : XX/XX/XXXX : Initial dispute via CFPB ( Complaint # XXXX ) XX/XX/XXXX : Follow-up complaint via CFPB ( Complaint # XXXX ) XX/XX/XXXX : Latest complaint via CFPB ( Complaint # XXXX ) The FTC Identity Theft Report ( # XXXX ) remains valid and specifically identifies the XXXX XXXX account as fraudulent, regardless of the resolution of other accounts listed therein. Equifax has failed to act on these disputes, allowing the fraudulent account to remain on my credit report. 

Legal Violations : Equifaxs inaction constitutes violations of federal and Florida law : FCRA Violations : Equifaxs failure to block the fraudulent account within 4 business days, reinvestigate within 30 days, and ensure maximum accuracy violates FCRA 605B, 611, and 607 ( b ) ( 15 U.S.C. 1681c-2, 1681i, 1681e ( b ) ). 

Florida Consumer Protection Laws ( Chapter 501.204, FDUTPA ) : Equifaxs failure to address this fraudulent account violates Floridas Deceptive and Unfair Trade Practices Act by engaging in deceptive practices that harm consumers. 

Formal Demand : I hereby demand the following immediate actions : Permanent Removal of the XXXX XXXX account ( ending in XXXX ) from my Equifax credit file, as required by FCRA 605B. 

Written Confirmation by XX/XX/XXXX, confirming the accounts deletion and detailing the steps taken to investigate the dispute under FCRA 611.

Provide a copy of Equifaxs written procedures for investigating identity theft disputes, as required under FCRA 611. 

Review of Equifaxs Dispute Process to address systemic failures in handling identity theft disputes, ensuring compliance with federal and state law. 

Consequences of Continued Noncompliance : Should Equifax fail to comply by XX/XX/XXXX, I will escalate this matter by : Filing additional complaints with the CFPB, Federal Trade Commission ( FTC ), and Florida Attorney General. 

Pursuing legal action in state or federal court, seeking : Statutory damages of {$1000.00} per violation under FCRA 1681n and 1681o.

Actual and punitive damages for financial and emotional harm.

Attorneys fees and injunctive relief to compel compliance.

I have consulted legal counsel and am prepared to file suit within 30 days of this letters deadline, citing XXXX v. XXXX, XXXX XXXX XXXX XXXX ( XXXX ), which holds credit bureaus liable for failing to ensure report accuracy. 

Legal Precedents : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : The U.S. Supreme Court emphasized that credit bureaus must take reasonable steps to ensure the accuracy of consumer credit reports. 

XXXXXXXX XXXX XXXXXXXX  XXXX ( XXXX ) : This case reaffirmed that credit bureaus must act promptly to remove fraudulent accounts related to identity theft. 

Enclosures : FTC Identity Theft Report ( # XXXX ) Copy of Drivers License Copy of Social Security Card Proof of Address ( Utility Bill, dated XX/XX/XXXX ) Updated Equifax Credit Report ( dated XX/XX/XXXX ) This is Equifaxs final opportunity to comply with federal and state law before I initiate formal legal proceedings. I urge you to act promptly to avoid further escalation.

Company response to consumer: Closed with explanation