Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax Is Violating My Consumer and Constitutional Rights Repeatedly Rejecting Valid Documents Without Cause or Clarity I am filing this complaint because Equifax is violating my consumer rights and possibly my constitutional rights by repeatedly rejecting valid identity verification documents ( XXXX, high-resolution copies of both sides of my Social Security XXXX and drivers license ) without providing any specific explanation of why they are invalid. 

I have done my part to properly dispute information on my credit report yet Equifax continues to send generic, vague responses and has failed to give me a meaningful reason for these repeated rejections. 

Worse, I recently spoke with an XXXX who is a supervisor employee at Equifax and needs to be investigated because of how unethical he is. His ID # : XXXX, who told me that nothing will ever be removed from my credit report unless I submit a police report. 

This is : Factually and legally incorrect, as the Fair Credit Reporting Act ( FCRA ) does not require a police report to dispute incorrect or unverifiable information ; A violation of my due process rights, I should not be forced to involve law enforcement just to correct or dispute my own private credit file ; A clear misuse of authority, and an example of Equifax and its data processors ( like XXXX ) dictating policies that go beyond what federal law requires. 

I am the consumer. I am the one affected. My credit report belongs to me and no private corporation, including Equifax or XXXX, has the right to dictate false terms or force law enforcement involvement as a condition to exercise my legal rights. 

This repeated stonewalling is not just a technical issue it is : Causing emotional distress and undue hardship, Blocking me from fair access to credit and financial opportunities, And violating the spirit and possibly the letter of the FCRA, my due process, and basic constitutional protections around personal privacy, fairness, and equal access. 

I am formally requesting : A full investigation into how my dispute was handled, A written explanation of why my identity documents were deemed invalid ( if they truly were ), A manual, human review of my dispute not an automated XXXX response, An immediate correction of any unverifiable or inaccurate information on my credit report, Financial compensation for the emotional and financial harm caused by XXXX refusal to process my dispute correctly, And oversight into how Equifax and XXXX are interpreting the law and responding to consumers. 

Equifax is a private LLC they are not above the law and are not permitted to create new legal requirements to block consumers from managing their own credit reports. This situation is not just unethical it is unlawful and needs to be addressed immediately. 

im protected under : FCRA 611 15 U.S.C. 1681i FCRA 602 15 U.S.C. 1681 ( a ) Equifax is not a government agency, theyre regulated by federal law and their practices can infringe on certain rights when they affect my legal and financial access. 

I have a right to fair process when MY name, reputation, or legal interests are at stake. If MY credit report contains harmful or false data and I'M denied fair opportunity to correct it, that XXXX amount to a due process violation especially if it affects MY access to housing, jobs, or loans. 

EQUIFAX XXXX unethical and unhelpful, mocked me and hung up the phone when i was explaining to him my rights. He needs to be investigated I do not trust him even having access to my personal details! He Denyed me the right to correct my credit file and forced me into a false legal procedure he told me i need to file a police report and he will and equifax will never delete anything! 

In Summary Violated Laws & Rights Law/Right Violation FCRA 611 ( 1681i ) Denying dispute resolution unless you submit police report FCRA 602 ( 1681 ) Failing to treat you fairly or respect your privacy FCRA 610 ( 1681h ) Imposing illegal burdens on you as a consumer XXXX XXXX Obstructing your right to correct harmful information = due process issue Implied XXXX XXXX rights Mishandling private data without proper review ( via automation ) Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief