Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Information Services LLC Attn : Fraud Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX FCRA 605B, 611, and 1681i Demand for Deletion, Verification Proof, and Immediate Suppression of Disputed Accounts and Inquiries Consumer Financial Protection Bureau , This is a formal dispute and demand for the immediate blocking and removal of fraudulent accounts and inquiries appearing on my credit report. Pursuant to FCRA 605B, Equifax is legally required to block these accounts and inquiries within four business days, and any verification attempt must comply with strict legal standards. 

Disputed Accounts and Inquiries : - Creditor Name : XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$53000.00} - Creditor Name : XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$16000.00} - Creditor Name : XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$18000.00} - Creditor Name : XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$10000.00} - Creditor Name : XXXX XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$10000.00} - Creditor Name : XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$5100.00} - Creditor Name : XXXX XXXX XXXX  ( XXXX XXXX  ) - Account Number : XXXX - Date Opened : XX/XX/XXXX - Amount : {$23000.00} - XXXX Name : XXXX - Date : XX/XX/XXXX - Inquirer Name : XXXX XXXX - Date : XX/XX/XXXX - XXXX Name : XXXX - Date : XX/XX/XXXX - XXXX Name : XXXX XXXX XXXX - Date : XX/XX/XXXX - XXXX Name : XXXX  - Date : XX/XX/XXXX - XXXX Name : XXXX - Date : XX/XX/XXXX FCRA 605B - Mandatory Fraudulent Accounts and Inquiries Block Under 15 U.S.C. 1681c-2 ( FCRA 605B ), once I have provided notification that these accounts and inquiries are fraudulent, Equifax is legally required to block them within four business days and inform the furnisher that the accounts and inquiries have been flagged as fraudulent. 

Failure to comply makes Equifax liable for damages under FCRA 616 & 617. 

Legal Precedents Holding Equifax Accountable - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX. XXXX ) - Credit bureaus must conduct reasonable investigations of disputed accounts and inquiries. 
- XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ) - Credit bureaus CAN NOT rely solely on the furnishers word and must independently verify the data. 
- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX. XXXX ) - Failing to properly investigate disputed accounts and inquiries creates legal liability. 

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681c-2 ( a ), Equifax is required to take immediate action when a consumer identifies fraudulent activity. Failure to conduct a proper investigation will be deemed a reckless disregard for my consumer rights, and I reserve the right to escalate this matter to federal authorities. 

I have provided sufficient documentation proving that I did not authorize or open these accounts and inquiries, including : 1. A copy of my government-issued ID ( drivers license ).

2. A utility bill confirming my identity and address.

3. A police report or FTC Identity Theft Affidavit. 

Since these accounts and inquiries are fraudulent, they must be removed immediately under the law. 

FCRA 611 : Demand for Method of Verification & Prohibition of Conflict-of-Interest Data Sources If Equifax attempts to verify these accounts and inquiries instead of blocking them, I am invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ) and demand the following non-negotiable documentation : 1. A detailed, written explanation of Equifaxs verification procedure - " verified '' is not an acceptable response. 
2. The name, contact details, and title of the person ( s ) responsible for verifying these accounts and inquiries.

3. A certified copy of the original WET-INK SIGNED CONTRACT proving I opened these accounts and inquiries. A digital or electronic signature is insufficient unless Equifax provides IP address, geolocation, and device fingerprint data.

4. Copies of all internal notes, system records, and communications related to these accounts and inquiries, including any exchanges between Equifax and the furnisher.

5. A sworn affidavit signed by a representative of Equifax, stating that the accounts and inquiries are accurate and that the verification process meets the FCRAs legal standard.

6. Proof that an independent third-party source verified these accounts and inquiriesNOT any subsidiary or affiliated data furnisher owned by Equifax.

7. If the furnisher of this information claims they have a signed fraud affidavit or any other supporting documentation confirming I opened these accounts and inquiries, I demand a copy of such documentation. Failure to provide this will be treated as an admission that no such document exists, making further reporting of these accounts and inquiries a willful violation of FCRA 1681s-2. 

Prohibition of Conflicted Data Furnishers I hereby demand that Equifax DOES NOT use any of the following credit bureau-owned or affiliated data furnishers to verify these accounts and inquiries : - Equifax : The Work Number, Equifax XXXX XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX XXXX ExperiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( a third-party data aggregator with a documented history of inaccurate consumer reporting ) Additional prohibited entities : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

Any attempt to verify these accounts and inquiries using these sources constitutes a clear conflict of interest and a willful violation of FCRA 616 & 617, as well as FCRA 611, which mandates an independent reinvestigation.

FCRA 1681i ( a ) ( 1 ) ( A ) & FCRA 1681s-2 ( a ) ( 3 ) - Immediate Temporary Suppression of Disputed Accounts and Inquiries Under FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 1681s-2 ( a ) ( 3 ), I am demanding that these disputed accounts and inquiries be suppressed from my credit file until the reinvestigation is completed. 
1. Immediate Removal During Reinvestigation - All reporting of these disputed accounts and inquiries must be immediately removed from my credit file until the investigation is complete.

2. Elimination of Negative Remarks - Any balance amounts, charge-offs, delinquencies, or other derogatory remarks associated with these accounts and inquiries must be removed immediately during the dispute process.

3. Exclusion from Credit Scoring Models - These accounts and inquiries must not be factored into any credit scoring models or lending decisions until full verification is completed. 

Criminal Liability for Willful Noncompliance Under 15 U.S.C. 1681q, willfully furnishing false information on a consumer report is a federal crime punishable by fines and imprisonment. 

Legal Consequences for Noncompliance If Equifax fails to : - Block these fraudulent accounts and inquiries within four business days ( 605B ) - Provide the required verification details in writing ( 611 ) - Ensure compliance with maximum accuracy requirements ( 607 ( b ) ) - Use only independent, third-party sources for verification - Temporarily remove these accounts and inquiries from my credit report until verification is completed ( 1681i & 1681s-2 ) ... I will take immediate action, including but not limited to : 1. Filing a formal complaint with the CFPB, FTC, and my state Attorney General to document Equifaxs failure to comply with federal law. 
2. Pursuing legal action under FCRA 616 & 617, seeking statutory damages ( {$1000.00} per violation ), punitive damages, and full attorney fees. 
3. Initiating a lawsuit for injunctive relief requiring the immediate removal of these accounts and inquiries from my credit file. 
4. I demand written confirmation that Equifax has submitted a Universal Data Form ( UDF ) update to remove these accounts and inquiries from my file. This confirmation must include a copy of the UDF reflecting the deletion or suppression of these accounts and inquiries. 

Additionally, if this matter is not resolved promptly, I will exercise my private right of action under the FCRA and FACTA by filing a lawsuit in small claims court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief