Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX After XXXX years of having a credit score of XXXX or below, due to erroneous reporting, I am seeking compensation due to violations on my credit file. Equifax have failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts that were being reported accurately after the countless times of me asking, the bureaus responses were, that the items were verified. I was affected financially, due to the failure of Equifax as you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, as you finally removed, most of the items from my credit file because of my complaint submitted to CFPB on XX/XX/XXXX. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I have disputed items for at least the last 10 years. I was not able to get certain employment, housing, cars, loans I was further a victim of the Data Breach. Since my information was compromised, I invoked my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file. Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, that you have already received via mail and through the CFPB complaint remain deleted from my credit file. 

I am making this final goodwill gesture to allow you to continue correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ), you are liable for your willful non-compliance. 
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I am seeking {$1000.00} per violation for that was removed from my credit file, please see attached credit report before they were removed items from my credit file. 
Also for : 1.Defamation 2Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I am also seeking {$100000.00} in punitive damages due to damages Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 You have 15 days from the date of this letter to respond. 

Please mail check to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation