Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
RETALIATION - EQUIFAX IGNORED VALID DISPUTES, ONLY RETALIATED PROOF MY DISPUTES HAVE MERIT : On XX/XX/XXXX, I disputed accounts that went delinquent during incarceration ( XX/XX/XXXX - XX/XX/XXXX ). I was physically unable to receive notices or respond. 

XXXX  PROPERLY INVESTIGATED AND DELETED THREE ACCOUNTS : 1. XXXX XXXX  - DELETED ( unverifiable ) 2. XXXX  XXXX - DELETED ( unverifiable ) 3. XXXX XXXX ( large account ) - DELETED ( unverifiable ) This PROVES my disputes are valid and the information is unverifiable.

EQUIFAX RECEIVED IDENTICAL DISPUTES BUT ONLY RETALIATED : Equifax received the same dispute letters but their ONLY response was retaliation on XXXX XXXX. They ignored all other valid disputes. 

RETALIATION TIMELINE : XX/XX/XXXX : Equifax received disputes XX/XX/XXXX : XXXX added NEW " CHARGED OFF ACCOUNT '' comment ( didn't exist before ) Result : Score dropped XXXX XXXX ( XXXX points ) SELECTIVE ENFORCEMENT PROVES RETALIATION : - XXXX  : Investigated properly, deleted 3 accounts - Equifax : ONLY response was adding NEW negative comment to XXXX - Equifax ignored XXXX XXXX, XXXX  ( which XXXX  deleted as unverifiable )- This selective enforcement proves intentional retaliation, not investigation XXXXXXXX XXXX CONTRADICTORY " VERIFICATION '' : XXXX claimed to " verify '' XXXX  account but marked multiple months " UNKNOWN '' - " UNKNOWN '' = " can not verify '' - Can not both " verify '' AND mark " unknown '' - Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable info must be deleted EQUIFAX DATA MANIPULATION : - Changed XXXX data from " Unknown '' to " Current '' ( improved old data ) - Changed XXXX data to " Unknown '' ( new gaps ) - Deleted 8 months of reporting - Labeled harmful changes " POSITIVE '' despite XXXXpoint drop LEGAL VIOLATIONS : 1. FCRA 621 ( b ) - Willful retaliation ( added NEW negative after dispute ) 2. FCRA 623 ( b ) ( 1 ) - Failed to investigate valid disputes XXXX properly handled 3. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) - Prohibited retaliation 4. FCRA 611 ( a ) ( 5 ) ( A ) - Must delete unverifiable info 5. Constitutional due process ( incarceration ) COMPARATIVE BUREAU COMPLIANCE : - XXXX  : Deleted 3 accounts ( proper investigation ) - XXXX  : Score improved to XXXX - Equifax : ONLY retaliation, no legitimate investigation REQUESTED RELIEF : 1. Delete retaliatory " CHARGED OFF ACCOUNT '' comment ( XX/XX/XXXX ) 2. Delete XXXX account ( XXXX admitted " UNKNOWN '' = unverifiable ) 3. Delete XXXX XXXX & XXXX ( XXXX  deleted as unverifiable ) 4. Restore score to XXXX 5. Investigate selective retaliation 6. Actual damages ( XXXX-point drop ) 7. Statutory + punitive damages XXXX XXXX  deletions prove my disputes are valid. Equifax received identical disputes but chose selective retaliation. I was incarcerated and unable to respond. They retaliated for exercising my FCRA rights. 

Documents : Score drop, comments, " UNKNOWN '' statuses, XXXX  deletions, disputes.

Company response to consumer: Closed with explanation