Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Submitted to the CFPB on XX/XX/year> Product Credit reporting or other personal consumer reports Issue Incorrect information on your report re XXXX XXXX. this account was renegotiated and I am paying on it monthly. It is not reflected on yur report and should be reflected as such. attached settlement agreement and also the chargeoff should be deletede as the settlement was agreed upon before the charge off.

I have supplied all credit bureaus with documentation and they continuously keep asking me to prove who I am now Im going to attach my license and then my energy bill, and my lease which shows that I moved to this location just moved here stop doing this. It is uncalled for and its very, very stressful. 



This correspondence serves as a final notice regarding your repeated requests for identity verification in relation to ongoing credit report disputes I have filed. 

Despite having submitted all necessary documentationincluding a valid government-issued ID and a current utility bill showing my new addressyou have persisted in issuing form letters demanding the same information. These actions have continued even after I filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), most recently on XX/XX/year>. 

This behavior not only delays resolution of legitimate disputes but also violates your legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Legal Basis Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA : " If the completeness or accuracy of any item of information contained in a consumers file... is disputed by the consumer and the consumer notifies the agency... the agency shall ... conduct a reasonable reinvestigation ... '' There is no requirement in the statute for repeated identity verification once valid identification has been provided. Continuing to demand documentation that has already been supplied can be considered willful noncompliance with your FCRA obligations under 15 U.S.C. 1681n, which provides for actual, statutory, and punitive damages for such conduct.

My Position and Expectations You have received and acknowledged valid identification and proof of address.

You are now knowingly delaying the reinvestigation process, despite your legal duty. 

Your continued form responses appear to be a tactic to stall or frustrate my rights as a consumer. 

I demand that you : Immediately cease all further redundant requests for ID. 
My account is updated with my correct address as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the reinvestigation of the disputed account ( XXXX ) and issue a written decision. 

Acknowledge in writing that you have received and updated my address information. 

If you fail to comply within 15 days, I will update my CFPB complaint to reflect your continued obstruction and may pursue further legal action for FCRA violations, including seeking statutory and punitive damages for willful noncompliance. I have attached documentation again.I have recently moved to TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation