Consumer complaint received 2025-08-12 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:
RE : FINAL WARNING IMMEDIATE DELETION REQUIRED UNDER FEDERAL LAW ( FCRA 1681c-2, 1681i, 1681n, 1681o ) XXXX  XXXX & XXXX XXXX XXXX To Whom It May Concern, am writing again regarding my previous dispute request for the blocking of fraudulent information from my credit report, as required under 15 U.S.C.

1681c-2. FOR THE LAST AND FINAL TIME As of today, It has been more than 45 business days, and you have failed to take any action on this matter. This is an unacceptable delay and a violation of the law. This account was fraudulently opened in my name, and I have provided all necessary documentation, including a FTC identity theft report. As per the FCRA, you are required to block this information within four business days of receiving my request yet here we are, with no action taken.

I demand that you immediately block this fraudulent account from my credit report and send me written confirmation that it has been done. If you fail to do so within the next 48 hours, I will be forced to escalate this matter with the appropriate regulatory authorities and pursue legal action for non-compliance.

Additionally, if you claim that you can not fulfill my request, you must provide a clear and detailed explanation as to why this can not be done. I expect prompt resolution of this issue, and I will not tolerate any further delay. 
Let me be XXXX clear : this is your FINAL WARNING to permanently DELETE the following accounts from my credit profile. If you fail to do so, I will initiate a federal lawsuit without further notice and pursue maximum statutory, punitive, and XXXX  XXXX  damages : XXXX XXXX ( Auto Loan In Repossession ) DEPTEDXXXX  ( Student Loans : Multiple Accounts - {$1900.00}, {$1000.00}, {$3800.00}, {$2300.00}, {$1100.00} ) These accounts are either inaccurately reported, contain XXXX XXXX compliance violations, or are the result of identity theft and misrepresentation. Your failure to investigate, correct, and delete this data has already caused irreparable harm to my financial standing. 
VIOLATIONS YOU ARE NOW ON NOTICE FOR : 1. 15 USC 1681c-2 These accounts contain data resulting from identity theft and must be blocked from my credit file upon request. You were previously informed and chose to ignore federal law.

2. 15 USC 1681i Your reinvestigation process is a sham. The accounts in question are not verified with legally permissible evidence. Dispute resolved grantor disagrees is NOT lawful verification.

3. 15 USC 1681n & 1681o You are now liable for willful and negligent noncompliance, and damages up to {$1000.00} per violation, per bureau, plus punitive damages and attorney fees. 
XXXX. XXXX XXXX Compliance Failures : Improper ECOA codes Failure to report accurate compliance condition codes Misreporting of open/closed status No XXXX  compliance coding during dispute Incorrect or outdated data fields ( e.g., payment history, status updates ) DEMANDS DO THIS IMMEDIATELY : 1. PERMANENTLY DELETE the above-listed accounts from all credit reporting databases.

2. Send me updated credit reports within 5 business days reflecting these deletions.

3. Cease and desist all further reporting of these accounts under threat of federal action.

IF YOU FAIL TO COMPLY : I am fully prepared to file complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( already prepared ) I will also be initiating litigation in federal court and seeking class-action participation. I have retained documentation and will subpoena all internal communication and ACDV records tied to this file. 
You had your chance. Comply now or face judgment FINAL DEMAND FOR PERMANENT DELETION UNDER 15 USC 1681c-2 IDENTITY THEFT BLOCK & XXXX XXXX VIOLATIONS ACCOUNTS : XXXX XXXX Auto Loan ( Status : Repossession, {$32000.00} ) Multiple DEPTEDXXXX  Student Loan Accounts ( Balances : {$1900.00}, {$1000.00}, {$3800.00}, {$2300.00}, {$1100.00} ) To Whom It May Concern : Let me be absolutely clear : This letter serves as final notice to delete the above-referenced accounts pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX compliance protocol , and binding federal statute. 
You are now in receipt of a formal identity theft dispute under 15 USC 1681c-2. I have identified the above tradelines as fraudulent and/or inaccurately reported and have provided proof of identity, sworn affidavit, and formal dispute documentation. These accounts are either : 1. The result of identity theft, 2. Based on unverifiable information, 3. In clear violation of XXXX XXXX data reporting protocols, and 4. Reinserted or maintained without lawful verification in violation of 15 USC 1681i.

THE LAW IS NOT OPTIONAL Under 15 USC 1681c-2 ( a ), you are legally obligated to block this information within 4 business days of receiving : Proof of identity Identity theft report Specific identification of the disputed items Statement affirming the data was not authorized You now have all four. Any continued reporting after this date constitutes willful noncompliance and will be met with legal action.

INVESTIGATION? YOUVE HAD ENOUGH TIME.

The statement Dispute resolved subscriber disagrees is not proof of reinvestigation. Under 15 USC 1681i, failure to fully investigate, verify, or delete unverifiable information within 30 days is grounds for civil damages under 1681n and 1681o.

Furthermore, under 1681i ( 5 ) ( A ), any item that can not be verified must be immediately deleted. Since your so-called investigation yielded no verifiable records, the continued presence of this derogatory data is unlawful. 
XXXX XXXX COMPLIANCE VIOLATIONS ( Youve Been Caught ) I have reviewed the technical data fields of these accounts and discovered blatant noncompliance with XXXX XXXX reporting standards : No proper Compliance Condition Codes ( e.g., XXXX  during active dispute ) Misreporting of open vs closed status Absence of ECOA codes Reinserted data without 1681i ( 5 ) ( B ) ( i ) certification Improper payment history post-charge-off You are now liable under the Consumer Data Industry Associations mandatory framework and federal law.

WHAT YOU ARE REQUIRED TO DO : 1. Permanently DELETE the above-mentioned accounts across all platforms, including XXXX, Equifax, and internal databases 2. Provide an updated credit report within 5 business days 3. Cease and desist further reporting of any information tied to these tradelines 4. Maintain proof of compliance as required by FCRA 1681i ( d ) LEGAL CONSEQUENCES IF YOU FAIL TO COMPLY : I will immediately initiate : Complaint filings with the CFPB, FTC, Texas Attorney General, and XXXX  A federal lawsuit seeking : {$1000.00} per violation ( 15 USC 1681n ) Emotional and financial damages Punitive damages for willful noncompliance Legal fees and court costs I will also move to notify class-action law firms and journalists regarding your failure to comply with federal law in identity theft cases. 
Plaintiff v. 
XXXX  XXXX XXXX XXXX XXXX. 
EQUIFAX INFORMATION SERVICES, LLC XXXX  XXXX, Defendants PLAINTIFFS ORIGINAL PETITION FOR DAMAGES UNDER FCRA & TEXAS LAW TO THE HONORABLE JUDGE OF SAID COURT : COMES NOW, Plaintiff in the above-styled and numbered cause, and files this Original Petition against the above-named Defendants under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Texas Deceptive Trade Practices Act ( Tex. Bus. & Com. Code 17.46 ), and applicable identity theft protections, and in support thereof would respectfully show the Court as follows : I. PARTIES 1. Plaintiff is a natural person and is a consumer as defined under 15 U.S.C. 1681a ( c ).

2. Defendant XXXX  XXXX XXXX XXXX XXXX may be served by certified mail at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
3. Defendant Equifax Information Services, LLC may be served by certified mail at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
4. Defendant XXXX  XXXX may be served by certified mail at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
II. JURISDICTION AND VENUE 5. This Court has jurisdiction under Texas Government Code 27.031 and venue is proper in XXXX XXXX as the unlawful acts caused financial and XXXX  damages to Plaintiff within XXXX XXXX. 
6. Plaintiff seeks damages in the amount of {$10000.00} or less, exclusive of costs, within the jurisdictional limits of this Court.

III. FACTS 7. Defendants willfully and/or negligently reported fraudulent and inaccurate information on Plaintiffs consumer credit report, specifically : A repossession account from XXXX XXXX  falsely reported as in repossession despite disputes and lack of proper verification ; Multiple student loan accounts from DEPTEDXXXX reporting 120+ days late, despite identity theft claims, dispute filings, and federal protections under 15 U.S.C. 1681c-2.

8. Despite repeated notices, affidavits, and dispute filings, Defendants have refused to delete the erroneous data or conduct a reasonable reinvestigation under 1681i, and have instead issued template verified responses without lawful basis.

9. Defendants failed to use proper XXXX XXXX compliance coding ( including " XXXX  '' during disputes ), failed to verify the data with original furnishers, and ignored Plaintiffs formal identity theft reporta direct violation of federal law.

10. Plaintiff has suffered financial harm, denial of credit, XXXX XXXX, and reputational damage as a result of Defendants willful indifference and unlawful conduct. 
IV. CAUSES OF ACTION A. Violation of FCRA 15 U.S.C. 1681i, 1681c-2, 1681n, 1681o 11. Defendants violated Plaintiffs rights under FCRA by : Failing to block identity theft data within 4 days per 1681c-2 ; Failing to conduct a proper reinvestigation per 1681i ; Reporting and re-reporting unverifiable information ; Willfully and negligently breaching duties under 1681n and 1681o.

B. Texas DTPA Violation Tex. Bus. & Com. Code 17.46 ( b ) 12. Defendants engaged in deceptive trade practices by misrepresenting the nature and status of the accounts on Plaintiffs report and misrepresenting the results of the dispute process.

V. DAMAGES REQUESTED Plaintiff seeks the following relief : Statutory damages of {$1000.00} per violation Actual damages for financial loss and XXXX XXXX  Punitive damages for willful violations Court costs and filing fees Any other relief the Court deems just and proper VI. PRAYER WHEREFORE, PREMISES CONSIDERED, Plaintiff prays that Defendants be cited to appear and answer herein and that upon final hearing, Plaintiff be awarded judgment against Defendants for actual damages, statutory damages, punitive damages, costs of court, and all other relief in law or equity. 
Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation