Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR IMMEDIATE DELETION - EQUIFAX BAD FAITH RESPONSE * * Date : XXXX * * Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL - RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint Response - XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR IMMEDIATE DELETION DUE TO WILLFUL FCRA VIOLATIONS XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN : I am responding to your XXXX XXXX BAD FAITH CFPB complaint response XXXX XXXX where you deflected from investigating clear FCRA violations by demanding additional " creditor grantor '' information. Your response demonstrates willful avoidance of your legal obligations and I now XXXX XXXX  DEMAND IMMEDIATE DELETION XXXX XXXX of the XXXX XXXX XXXX account based on newly obtained evidence of willful false reporting. 

YOUR BAD FAITH RESPONSE EXPOSED : WHAT YOU CLAIMED XXXX XXXX XXXX EQUIFAX IS UNABLE TO HONOR YOUR REQUEST... AS NO SPECIFIC CREDITOR GRANTOR NAME WAS PROVIDED XXXX XXXX WHY THIS IS DEMONSTRABLY FALSE XXXX XXXX  My CFPB complaint XXXX XXXX CLEARLY IDENTIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX XXXX XXXX  was specifically provided - The exact chronological impossibility was detailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX account opening XXXX XXXX XXXX  All necessary information for investigation was provided THE MATHEMATICAL ERROR NEEDS NO " CREDITOR GRANTOR NAME XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX can not precede XX/XX/XXXXXXXX XXXX XXXX This is basic arithmetic, not complex credit analysis requiring additional creditor information. Your demand for more information is an artificial barrier designed to avoid investigating obvious FCRA violations. 

# XXXX XXXXXXXX EVIDENCE OF WILLFUL FALSE REPORTING : Since your deflective response, I obtained XXXX XXXX DEFINITIVE PROOF XXXX XXXX that XXXX XXXX XXXX is willfully furnishing false information to you : XXXXXXXX XXXX CREDIT REPORTING TO YOU XXXX XXXX XXXX XXXX Account Opening Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of First Delinquency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Balance : * * {$610.00} XXXXXXXX XXXX  OWN DOCUMENTATION PROVES THIS IS FALSE : * * XXXX. XXXX DEBT SALE LETTER ( XX/XX/XXXX ) : * * - Shows XXXX * * acquired existing debt * * on XX/XX/XXXX - Letter dated * * XXXX  DAYS AFTER * * their claimed " account opening '' - Proves no new account was opened- they purchased existing debt * * XXXX. XXXX XXXX CREDIT CARD STATEMENTS ( PROVIDED BY XXXX ) : * * - * * XX/XX/XXXX Statement : * * Balance {$610.00} ( exactly matches current reporting ) - * * XX/XX/XXXX Statement : * * Balance {$560.00}, account XXXX months delinquent - Both statements * * PRE-DATE * * XXXX XXXX claimed XX/XX/XXXX " account opening '' * * XXXX LITERALLY PROVIDED DOCUMENTATION PROVING THEIR OWN CREDIT REPORTING IS FALSE. * * EQUIFAX 'S FCRA VIOLATIONS : XXXX. FAILURE TO CONDUCT REASONABLE INVESTIGATION ( 15 U.S.C. 1681i ) - You ignored the specific chronological impossibility I identified - You created artificial barriers instead of investigating obvious errors - You failed to recognize mathematically impossible reporting dates XXXX. FURNISHING INFORMATION KNOWN TO BE INACCURATE ( 15 U.S.C. 1681e ) - You continue reporting information you now know is chronologically impossible - You maintain false data despite being provided specific evidence of inaccuracy - You failed to implement reasonable procedures for accuracy verification XXXX. BAD FAITH INVESTIGATION PRACTICES- Your deflective response proves systematic avoidance of FCRA compliance - You're creating procedural roadblocks instead of addressing substantive violations- This demonstrates willful disregard for consumer protection laws IMMEDIATE DEMANDS : Based on the definitive evidence of false reporting and your bad faith investigation practices, I * * DEMAND * * that you : XXXX. * * IMMEDIATELY DELETE * * the XXXX XXXX XXXX account ( ending XXXX ) from my credit file XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of deletion within XXXX days XXXX. * * NOTIFY ALL PARTIES * * who received my credit report containing this false information within the past XXXX  years XXXX. * * IMPLEMENT REASONABLE PROCEDURES * * to prevent furnishing of chronologically impossible information LEGAL CONSEQUENCES OF CONTINUED VIOLATIONS : Your continued reporting of information proven to be false after being specifically notified constitutes : WILLFUL FCRA VIOLATIONS ( 15 U.S.C. 1681n ) : - Allows for * * PUNITIVE DAMAGES * * - * * Statutory damages * * up to {$1000.00} per violation - * * Attorney 's fees and costs * * - * * Actual damages * * for credit score impact and financial harm EVIDENCE FOR FEDERAL LITIGATION : - Your bad faith CFPB response demonstrates willful avoidance - Continued reporting of mathematically impossible information - Systematic failure to investigate obvious errors - Pattern of creating artificial barriers to avoid FCRA compliance NOTICE OF INTENT TO PURSUE LEGAL ACTION : If this account is not * * DELETED WITHIN XXXX  DAYS * * of receipt of this letter, I will immediately pursue federal litigation for willful FCRA violations. The evidence of your bad faith investigation practices and continued reporting of proven false information creates an exceptionally strong case for : - * * Willful noncompliance damages * * under XXXX XXXX. XXXX - * * Punitive damages * * for deliberate FCRA violations- * * Attorney 's fees and costs * * - * * Injunctive relief * * to prevent future violations CONCLUSION : * * You can not continue reporting that an account opened on XX/XX/XXXX when the furnisher 's own documentation shows the account was active months before that date. * * Your deflective CFPB response and continued maintenance of mathematically impossible information proves willful disregard for FCRA requirements. This account must be deleted immediately. 

* * No " creditor grantor name '' is needed to understand that XX/XX/XXXX can not precede XX/XX/XXXX. * * * * DELETE THIS ACCOUNT IMMEDIATELY. * * I expect written confirmation of deletion within 10 days. Continued maintenance of this proven false information will result in immediate federal litigation for willful FCRA violations. 

-- - * * Respectfully, * * * * XXXX XXXX * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX * * ENCLOSURES : * * - Copy of XXXX 's dispute response with contradictory documentation - Copy of XXXX debt sale letter - XXXX XXXX XXXX XXXX credit card statements

Company response to consumer: Closed with explanation