Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX COMPLAINT AND DEMAND FOR ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX XXXX : * -- XXXX Passport No : XXXX Email : XXXX Date : XX/XX/XXXX I. PARTIES AND AGENCIES ADDRESSED This complaint is submitted to the following federal and state agencies for immediate enforcement : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Bureau of Consumer Protection U.S. Department of Justice ( DOJ ) Civil Rights Division & ADA Enforcement U.S. Department of Housing and Urban Development ( HUD ) FHEO Region IV Social Security Administration ( SSA ) Office of Inspector General ( OIG ) U.S. Treasury Financial Crimes Enforcement Network ( FinCEN ) Internal Revenue Service ( IRS ) Criminal Investigation Division Georgia Attorney General Consumer Protection Division Georgia Department of Law Public Integrity and White Collar Crime Unit Georgia Department of Community Affairs Fair Housing Office Georgia State Bar Unauthorized Practice of Law Division Better XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. SUMMARY OF COMPLAINT This is a formal demand for enforcement, restitution, and criminal referral against Equifax Inc., based on willful and knowing violations of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 16811691 Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 et seq.

Americans with Disabilities Act ( ADA ) 42 U.S.C. 12132 Fair Housing Act ( FHA ) 42 U.S.C. 3604 Civil Rights Act 42 U.S.C. 1983 Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 Federal Trade Commission Act ( FTCA ) 15 U.S.C. 45 Georgia Fair Business Practices Act O.C.G.A. 10-1-393 Georgia Constitution Art. I, Sec. I, I & II 18 U.S.C. 1028, 1344, 371 Identity Theft, Fraud, Conspiracy III. FACTUAL BACKGROUND Equifax Inc. has repeatedly and unlawfully done the following : Blocked online access to my credit file without cause Forced all lenders to call a hidden business number ( XXXX ) to access my report Reinserted previously deleted fraudulent tradelines ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Re-reported a dismissed XXXX XXXXXXXX Bankruptcy ( see XXXX XXXX data ) Provided contradictory reportsone stating no file found, others listing derogatory accounts Failed to provide Method of Verification ( MOV ) as required under FCRA 611 Denied my ability to dispute online, in direct violation of FCRA 610 Ignored SSA fraud referrals, identity theft reports, and police documentation IV. CFPB COMPLAINT HISTORY Despite filing XXXX formal CFPB complaints, Equifax continues to suppress, misreport, and conceal fraudulent data : CFPB XXXX XXXXXXXX CFPB XXXX XXXXXXXX CFPB XXXX XXXXXXXX CFPB XXXX XXXXXXXX CFPB XXXX XXXXXXXX CFPB XXXX XXXX CFPB XXXX XXXXXXXX CFPB XXXX XXXXXXXX Each complaint was closed with non-monetary relief while fraud and access issues remain. 

V. HARM AND DAMAGES Due to Equifaxs misconduct, I have suffered : Multiple housing denials ( XXXX units, HUD-listed properties XXXX Credit denials : CXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, and others Emotional trauma to my XXXX minor child under active XXXX treatment ( XXXX ) Economic losses, reputational harm, and breach of federal consumer rights VI. LEGAL DEMANDS FOR RELIEF I demand the following from Equifax and all overseeing federal and state authorities : XXXX. Restore full online access to my credit file and score IMMEDIATELY XXXX. Submit a written explanation of : o Why lenders must call XXXX o Why my file is restricted or suppressed o XXXX a " XXXX XXXX XXXX '' was placed and under what legal basis XXXX. Permanently delete all fraudulent tradelines and public records XXXX. Remove all unauthorized inquiries, including those from XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX, XXXX, and others XXXX. Comply with FCRA 611 and issue certified MOV records XXXX. Issue updated XXXX XXXX XXXX XXXX XXXX XXXX to all Credit Reporting Agencies XXXX. Submit this matter for criminal prosecution to DOJ, IRS CID, and SSA OIG for conspiracy, identity theft, and data fraud XXXX. Refer Equifax for public sanctions and injunctive action under FCRA, ADA, CFPA, and Georgia FBPA XXXX. NOTICE OF FEDERAL CIVIL ACTION I am preparing to file a federal civil action under : XXXX. LEGAL VIOLATIONS Federal : FCRA 604, 605B, 607, 610, 611, 616, 617, 623 CFPA 1036 12 U.S.C. 5536 ADA 42 U.S.C. 12132 FHA 42 U.S.C. 3604 ECOA 15 U.S.C. 1691 et seq.

FTCA 15 U.S.C. 45 18 U.S.C. 1028, 1344, 371 42 U.S.C. 1983 Georgia : O.C.G.A. 10-1-393 O.C.G.A. 16-9-121 O.C.G.A. 45-11-4 Georgia Constitution Art. I, Sec. I, I & II Relief Requested : Statutory damages ( {$1000.00} per violation ) Compensatory and punitive damages Injunctive and equitable relief Full attorneys fees and legal costs STATUTORY DAMAGES CALCULATED Violation Type Instances Amount FCRA Violations ( Multiple Provisions ) XXXX {$14000.00} ECOA XXXX XXXX XXXX {$4000.00} XXXX Title II Violations XXXX {$3000.00} Fair Housing Act Violations XXXX {$3000.00} FTC XXXX Deceptive Practices XXXX {$3000.00} Georgia FBPA Violations XXXX {$3000.00} Civil Rights ( XXXX XXXX. XXXX ) XXXX {$2000.00} Unauthorized Hard Inquiries XXXX {$10000.00} Identity Theft / Conspiracy XXXX {$4000.00} Failure to Investigate ( FCRA XXXX ) XXXX {$5000.00} Reinsertion of Deleted Accounts XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} TOTAL ESTIMATED STATUTORY DAMAGES : {$58000.00} XXXX. ATTACHMENTS AND EXHIBITS The following evidence is attached and submitted as part of this complaint : Equifax Dispute Reports ( Conf. XXXXXXXX XXXX XXXXXXXX ) Identity Verification : U.S. Passport & SSN Card SSA OIG and SSA reissuance documentation FTC Identity Theft Report XXXX XXXXXXXX XXXX XXXX Police Report XXXX XXXXXXXX XXXX XXXX treatment documents for XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX denial letters Equifax XXXX screenshots : No file found Inquiry alerts from XXXX XXXX XXXX CFPB Response Letter XXXX. XXXX & REQUEST FOR IMMEDIATE ACTION I declare under penalty of perjury that the above is true and correct. I request joint federal-state enforcement, immediate credit file access restoration, and full civil and criminal review of XXXX pattern of fraud, suppression, and retaliation. 
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, ADA-Protected Parent, Identity Theft Survivor

Company response to consumer: Closed with explanation