Consumer complaint received 2025-04-12 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: DC

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Rebuttal to Inadequate Reinvestigation Violations of the Fair Credit Reporting Act To Whom It May Concern : This letter serves as a formal rebuttal to your recent response to my dispute filed through the Consumer Financial Protection Bureau ( CFPB Complaint # XXXX ) and my Identity Theft Report filed with the Federal Trade Commission ( FTC Report XXXX XXXX ). Equifax has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ) and has caused further harm to my credit profile by continuing to report fraudulent and inaccurate information. 

1. Failure to Conduct a Reasonable Reinvestigation Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation upon receiving a consumer dispute. Instead, you relied solely on the furnishers unverifiable response and failed to investigate independently. This does not satisfy the legal requirement for reasonableness.

2. Disregard for Consumer-Supplied Documentation Under 15 U.S.C. 1681i ( a ) ( 4 ), you are obligated to consider all relevant information submitted by the consumer. I submitted my FTC Identity Theft Report detailing fraudulent accounts. Your failure to acknowledge or act on that report constitutes noncompliance and negligence.

3. Failure to Ensure Accuracy Equifax has not met the requirement to ensure the maximum possible accuracy of consumer reports under 15 U.S.C. 1681e ( b ). Inaccurate informationincluding accounts opened without my consentis still being reported.

4. Failure to Delete Unverifiable Information According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete any information that can not be verified after reinvestigation. No documentation has been provided for the accounts listed in my identity theft affidavit. Therefore, these accounts are legally required to be deleted.

5. Refusal to Provide Method of Verification You have violated 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) by failing to disclose the method of verification upon my request. Your refusal to provide this information only confirms that no legitimate verification was conducted.

6. Fraudulent Accounts and Demand for Blocking Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am requesting the permanent blocking and removal of the following accounts, all of which were opened fraudulently using my identity : - 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 XXXX XXXX XXXX XXXX XXXX  7. Legal Notice and Escalation Equifaxs repeated noncompliance and negligence exposes your organization to liability under 15 U.S.C. 1681n and 1681o. If these fraudulent and inaccurate items are not deleted from my file within 4 business days, I will escalate this matter through additional legal avenues including arbitration and federal litigation. I will also file follow-up complaints with the CFPB, FTC, and the Office of the Attorney General. 


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Company response to consumer: Closed with non-monetary relief