Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
b'# CONSUMER RIGHTS AND RESPONSIBILITIES GROUP (XXXX) COMPLIANCE DEMAND\n\n**CONSUMER DATA SUBJECT:** XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX  \n\n**DATA FURNISHER/XXXX   \nEquifax Information Services LLC  \nLegal Compliance Department  \XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  \n**DELIVERY METHOD:** CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX*METRO 2 FORMAT COMPLIANCE VIOLATIONS - IMMEDIATE RECTIFICATION REQUIREDXXXXXXXX XXXXONSUMER REPORTING RECORD IDENTIFIERS:XXXX XXXXConsumer File Reference:** XXXX XXXXSocial Security Number:** XXXX XXXX XXXXDate of BirthXXXX XXXX XXXXResponse Transaction DateXXXX XXXX XXXX XXXX XXXX XXXXCRRG STANDARD VIOLATION XXXX XXXXSEGMENT 001: FCRA  611(a)(1)(A) - REINVESTIGATION PROTOCOL FAILUREXXXXMETRO 2 FIELD REFERENCE:** XXXXase Segment - Account Status Code XXXXCRRG COMPLIANCE STANDARD:** Reasonable reinvestigation of disputed data elements  \n**VIOLATION TYPE:** Systematic non-compliance with verification protocols\n\n**FURNISHER DATA VALIDATION FAILURE:XXXXINQUIRY VERIFICATION PROTOCOL NOT EXECUTED\n\n PERMISSIBLE PURPOSE VALIDATION: NOT PERFORMED\n CONSUMER AUTHORIZATION VERIFICATION: NOT PERFORMED  \n FCRA  604 COMPLIANCE CHECK: NOT PERFORMED\n FURNISHER CONTACT PROTOCOL: NOT EXECUTED\n``XXXXCOMPLIANCE DEFICIT:XXXX XXXX evidence of Metro 2 compliant data verification procedures\nXXXX XXXXSEGMENT 002: FCRA  611(a)(5)(A) - INCOMPLETE DATA TRANSMISSIONXXXXMETRO 2 FIELD REFERENCEXXXX Consumer Information Indicator Codes  \n**CRRG COMPLIANCE STANDARDXXXX  Complete dispute resolution data transmission  \n**VIOLATION TYPE:** Willful incomplete consumer notification\n\n**DATA TRANSMISSION DEFICIENCY:**\n```\nREQUIRED RESPONSE ELEMENTS - TRANSMISSION STATUS\n\n INVESTIGATION METHODOLOGY: NOT TRANSMITTED\n FURNISHER CONTACT DATA: NOT TRANSMITTED\n VERIFICATION RESULTS: INCOMPLETE TRANSMISSION\n SUPPORTING DOCUMENTATION: NOT TRANSMITTED\n```\n\n**REDIRECTION PROTOCOL VIOLATION:** Directing consumer to secondary channels violates primary transmission requirements under CRRG standardsXXXX XXXXSEGMENT 003: FCRA  611(a)(6)(B)(iii) - FURNISHER IDENTIFICATION PROTOCOLXXXXMETRO 2 FIELD REFERENCE:** K4 Segments - Original Creditor Information  \n**CRRG COMPLIANCE STANDARD:** Complete furnisher identification in dispute responses  \n**VIOLATION TYPE:** Systematic omission of required data elementsXXXXMISSING FURNISHER DATA ELEMENTS:**\n```\nREQUIRED FURNISHER IDENTIFICATION FIELDS\n\n BUSINESS NAME: NOT PROVIDED\n BUSINESS ADDRESS: NOT PROVIDED\n TELEPHONE NUMBER: NOT PROVIDED\n CONTACT PERSON: NOT PROVIDED\nXXXX **SEGMENT 004: FCRA  611(a)(7) - METHOD OF VERIFICATION DISCLOSURE**\n\n**METRO 2 FIELD REFERENCE:** Specialized Payment Information  \n**CRRG COMPLIANCE STANDARD:** Consumer notification of verification methodology rights  \n**VIOLATION TYPE:** Failure to provide mandatory consumer notifications\n\n**DISCLOSURE DEFICIENCY MATRIX:**\n```\nCONSUMER NOTIFICATION REQUIREMENTS - COMPLIANCE STATUS\n\n METHOD OF VERIFICATION RIGHTS: NOT DISCLOSED\n PROCEDURE DESCRIPTION RIGHTS: NOT DISCLOSED\n DOCUMENTATION REQUEST RIGHTS: NOT DISCLOSED\nXXXX XXXXMETRO 2 COMPLIANCE RECTIFICATION DEMANDSXXXX **IMMEDIATE DATA CORRECTION PROTOCOL:**\n\n**SEGMENT A: INVESTIGATION METHODOLOGY DISCLOSURE**\n```\nREQUIRED DATA TRANSMISSION WITHIN 15 CALENDAR DAYS:\n\n Furnisher Contact Protocol Documentation\n Verification Methodology Description  \n Investigation Timeline and Procedures\n Supporting Documentation References\n``XXXXSEGMENT B: FURNISHER COMMUNICATION RECORDS**\n```\nREQUIRED FURNISHER DATA TRANSMISSION:\n\n Complete Business Identification\n Contact Personnel Information\n Communication Method Documentation\n Response Documentation\nXXXXSEGMENT C: INQUIRY VALIDATION DOCUMENTATION**\n```\nREQUIRED PERMISSIBLE PURPOSE VERIFICATION:\n\n Consumer Authorization Documentation\n FCRA  604 Compliance Verification\n Business Need Documentation\n Inquiry Purpose Classification\nXXXX---\n\n### **CRRG COMPLIANCE ENFORCEMENT MATRIXXXXX XXXXVIOLATION CLASSIFICATION:** WILLFUL NON-COMPLIANCE\n- **Evidence:** Systematic use of form responses without individualized investigation\n- **Pattern:** Multiple FCRA section violations in single response\n- **Intent:** Redirection to secondary channels demonstrates knowledge of incomplete complianceXXXX XXXXSTATUTORY DAMAGE CALCULATIONS:**\n```\nFCRA  616 - WILLFUL VIOLATION MATRIX\n\n Base Statutory DamagesXXXX XXXX per violation\n Multiple Violation Multiplier: 4 distinct violations identified\n Attorney Fee Liability: Full fee shifting provision\n Punitive Damage Consideration: Pattern of systematic violations\nXXXX XXXX*COMPLIANCE RECTIFICATION TIMELINE**\n\n**DAY 0-15:** Method of Verification Disclosure Transmission  \n**DAY 0-15:** Complete Furnisher Identification Data Transmission  \n**DAY 0-15:** Investigation Methodology Documentation Transmission  \n**DAY 16-30:** Compliance Verification and Consumer Notification XXXX XXXXON-COMPLIANCE CONSEQUENCES:**\n- **Federal Trade Commission Reporting**\n- **Consumer Financial Protection Bureau Complaint Filing**\n- **State Attorney General Consumer Protection Division Notification**\n- **Private Right of Action Under FCRA  616-617*XXXXXXXX XXXXDOCUMENT PRESERVATION DIRECTIVE**\n\n**IMMEDIATE PRESERVATION REQUIRED:**\n```\nLITIGATION HOLD - DOCUMENT CATEGORIES\n\n Consumer File Records and History\n Dispute Processing Procedures and Training Materials\n Furnisher Communication Records and Protocols\n Metro 2 Reporting System Documentation\n Quality Assurance and Compliance Monitoring Records\n Management Communications Regarding Dispute Processing\nXXXX XXXXCOMPLIANCE CERTIFICATION REQUIREMENT**\n\nThis correspondence requires **WRITTEN CERTIFICATION** of compliance within fifteen (15) calendar days, including:\n\n1. **Complete Method of Verification Documentation**\n2. **Furnisher Contact Information and Communication Records**  \n3. **Investigation Methodology and Timeline Documentation**\n4. **Corrective Action Plan for Systematic Compliance Failures**\n\n**NON-RESPONSE CONSTITUTES:** Continuation of willful FCRA violations subject to federal enforcement action and private litigation.'

Company response to consumer: Closed with explanation