Consumer complaint received 2025-08-13 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:
Company : Equifax Complaint Type : Credit Reporting Issue Relief Requested : Full deletion of the account and enforcement action Follow-up to previous complaints with new violations. 



Complaint Summary : On XX/XX/year>, I submitted a written Method of Verification ( MOV ) request to Equifax via certified mail, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). Instead of providing a proper written response, Equifax initiated an unauthorized dispute without my request or consent. This action misclassified my statutory verification request and triggered an investigation I did not initiate. 

As of todays date, XX/XX/year> no documentation has been provided verifying the source, method, or factual basis for the continued reporting of this account. The unauthorized dispute was not only a breach of privacy and due process, but also a way to bypass their duty to respond to my MOV demand. 

In addition, it has now been over 15 days since I submitted a complaint to the CFPB regarding the MOV and unauthorized dispute initiated instead of the requested MOV being provided, and Equifax has not responded through the Bureaus portal either. This shows not only procedural failure but a pattern of ignoring both federal and consumer inquiries. 



Violations Committed by Equifax : 1. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a written response to a Method of Verification request within 15 business days.

2. 1681b ( c ) Unauthorized access and dispute initiation without consumer consent.

3. 1681e ( b ) Failure to ensure maximum possible accuracy by reporting unverifiable data.

4. 1681g ( a ) ( 2 ) & ( 3 ) Failure to disclose the source and method of verification upon request.

5. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or can not be substantiated.

6. 1681s-2 ( b ) ( 1 ) ( AE ) Failure to properly investigate after notification of a dispute.

7. 1681n Willful noncompliance, entitling me to statutory and punitive damages.

8. 1681o Negligent noncompliance, entitling me to actual damages and legal fees.

9. Failure to respond to a pending CFPB complaint within 15 days, showing further willful disregard for consumer rights and regulatory procedures.

Harm Caused : My privacy was violated through unauthorized access. 
My ability to exercise my rights under the FCRA was obstructed. 
I have suffered XXXX XXXX due to the ongoing unresolved disputes. 
Equifax continues to report this account despite failing to verify it properly. 

Additional concerns : 1. The company has taken no action on multiple CFPB complaints regarding the same issue.

2. They have not acknowledged or resolved the MOV request.

3. Their continued reporting of unverifiable data has affected my financial well-being and peace of mind.

4. These actions obstruct consumer rights and violate standards of fair data handling outlined by the Federal Trade Commission ( FTC ) and the FCRA.

Due to the repeated willful violations of my rights under the Fair Credit Reporting Act and XXXXquifaxs ongoing refusal to provide the legally mandated verification documents, I am preparing to seek {$23000.00} in damages in federal court.

This includes statutory damages, XXXX XXXX and punitive damages, in accordance with 1681n and 1681o. I respectfully request the CFPB initiate an investigation and enforcement action to protect my consumer rights.

Company response to consumer: Closed with explanation