Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/2025 To : Equifax Information Services LLC Attn : Consumer Compliance / Legal Department XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Demand for Investigation and Removal of Internal File Restriction / Compliance Block Credit Score : XXXX Subject : Credit Denials Potentially Caused by Equifax Internal System Error Dear Equifax Compliance Team, I am submitting this formal written demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681g, and 1681i ) regarding an apparent internal restriction or compliance block within my Equifax credit file that has caused repeated credit denials despite a XXXX credit score. 

In recent weeks, multiple lenders have reported using Equifax for their credit decisions, yet I was denied credit each time. These denials are not consistent with my score or overall credit profile. This pattern strongly suggests that my Equifax file may contain an undisclosed internal flag, compliance hold, fraud marker, or system-level block that limits access or suppresses information when lenders attempt to review my report. 

I have not placed any security freeze, fraud alert, or lock on my file, and I have not authorized Equifax to restrict or limit third-party access. Therefore, any such internal action by Equifax would constitute a violation of your duty to maintain maximum possible accuracy and to ensure non-deceptive reporting under 1681e ( b ) and 1681i ( a ). 

I am demanding the following actions : A complete investigation into whether my Equifax file is subject to any internal flag, compliance block, fraud alert, suppression, or split file condition ; A written statement detailing any internal or system-level codes, notations, or restrictions currently associated with my credit file, including the reason and date they were added ; Immediate removal of any improper internal restriction that interferes with normal lender access or accurate reporting ; and Written confirmation that my file is active, merged, and fully available to all authorized lenders without limitation. 

CFPB Oversight Please note that I currently have an active CFPB complaint against XXXX  ( Ref. XXXX ) regarding similar internal dispute and reporting issues that have already impacted my credit access. The CFPB is aware of the ongoing risk posed by internal credit file restrictions, and any failure by Equifax to fully investigate and correct improper internal blocks may be reported to federal regulators as a continuing pattern of credit reporting harm. 

Legal Reminder This letter constitutes a formal FCRA dispute and request for disclosure. Equifax is legally required to : Complete its investigation within 30 days of receipt ; and Provide a comprehensive written response with supporting documentation showing the outcome and any corrections made. 

Failure to provide full disclosure or to correct any improper restriction will be documented and may be submitted to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX, Precinct 1 Place 2, as evidence of noncompliance and ongoing harm. 

Thank you for your immediate attention to this matter. I expect a complete written response within the time required by law. 

Sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with explanation