Consumer complaint received 2025-07-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Second Notice Failure to Remove Fraudulent Accounts Following Data Breach Exposure | Demand for Immediate Action | Intent to Pursue Legal Action To Whom It May Concern, This is my second formal dispute and complaint regarding fraudulent accounts on my credit reports that were opened without my authorization and are a direct result of the Equifax XXXX data breach and other breaches that compromised my private, personally identifiable information ( PII ). I am a victim of identity theft, and despite your legal obligation to act within 30 daysand four business days in some casesyou have failed to remove these fraudulent accounts in the two weeks since my original notice.

This is a blatant and willful violation of my consumer rights under federal law, including but not limited to : 15 U.S.C. 1681i ( FCRA 611 ) Failure to reinvestigate disputed information in a timely manner 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and remove inaccurate data 15 U.S.C. 1681n &
1681o Liability for willful and negligent noncompliance 15 U.S.C. 1692e False representation by continuing to report fraudulent accounts 15 U.S.C. 45 Unfair or deceptive practices in violation of the FTC Act Let me remind you that the U.S. District Court, in In re Equifax Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), found Equifax liable for failing to safeguard consumer data. Your continued inaction makes you complicit in the damage that has been done to my credit standing, financial security, and personal integrity.

Additionally, the precedent set in Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), supports the assertion that furnishers and credit reporting agencies can not hide behind automated systems when consumer rights are violated.

Your failure to act within the required timeframe is not only unacceptableit is illegal. I demand that : All fraudulent and unauthorized accounts be permanently removed from my credit reports immediately.

A full and transparent report of your reinvestigation efforts be sent to me.

All negative reporting tied to these accounts be reversed without delay.

If these demands are not met within 7 calendar days, I will pursue legal remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General Initiating a civil lawsuit for damages under FCRA 616 and 617 for each violation Seeking punitive damages for willful noncompliance Requesting injunctive relief to enforce full deletion of the fraudulent information You have had more than ample time to act. Your continued reporting of these accounts is a deliberate attack on my consumer rights and financial well-being. Consider this my final warning before I take aggressive legal action. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation