Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617.

Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action againsXXXX XXXX XXXX XXXXXXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX  {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 

Additionally, please provide the following : XXXX. A copy of the original creditor agreement bearing my signature ( if applicable ). 
XXXX. Any and all records used to verify the accuracy of the reporting. 
XXXX. Documentation of your reinvestigation process and findings.

If you can not verify the accuracy of this information with legally admissible proof, you are required under FCRA 611 ( a ) ( 5 ) to delete or correct the erroneous data immediately.

Notice of Intent to Pursue Legal Action If you fail to comply with this request within the legally mandated timeframe of 30 days, I will escalate this matter by filing a formal complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Attorney Generals Office of my state A federal or state court lawsuit seeking statutory, actual, and punitive damages under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief