Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Formal Complaint Regarding Equifaxs Systemic Failures, Noncompliance with E-OSCAR Protocol, and Legal Violations Introduction This submission provides evidence of systemic violations by Equifax , Inc., XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and other associated entities. The attached complaints, FTC Identity Theft Reports, and supporting documentation substantiate the persistent failure to comply with federal and state laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Texas Consumer Protection Laws, Texas Finance Code, Civil Practice and Remedies Code, Metro 2 Compliance Standards, and E-OSCAR protocols.

The evidence demonstrates willful noncompliance, negligence, and failure to investigate and correct inaccuracies, which have caused significant financial and emotional harm. 

Verification of Identity and Submission of Identity Theft Reports To ensure there is no reason for Equifax to claim this dispute is frivolous, I have submitted all necessary documents to verify my identity. These documents include : Drivers License Social Security Card Passport Utility Bill Bank Statements from Two Different Institutions Additionally, I have submitted FTC Identity Theft Reports as official documentation of identity theft. These reports detail fraudulent accounts and activities that have affected my credit report and were reported to Equifax. The reports include : FTC Report # XXXX ( XX/XX/year> ) : Details fraudulent accounts and transactions. 
FTC Report # XXXX ( XX/XX/year> ) : Provides additional evidence of identity theft and affected accounts. 
FTC Report # XXXX ( XX/XX/year> ) : Describes fraudulent information on my credit report. 
FTC Report # XXXX ( XX/XX/year> ) : Lists accounts impacted by the identity theft. 
Equifax has failed to act on these reports, violating their obligations under the FCRA, Texas Finance Code, and Metro 2 Compliance Standards.

Chronological Order of Complaints, Resolutions, and Violations 1. Complaint # XXXX Date Filed : XX/XX/year> Issue : Equifax failed to correct inaccuracies on my credit report despite receiving valid supporting documents. 
Resolution : No resolution provided. Equifax failed to conduct a reasonable investigation. 
Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

Metro 2 Compliance Standards : Inconsistent reporting of account statuses. 
Evidence : Refer to file XXXX. 
2. Complaint # XXXX Date Filed : XX/XX/year> Issue : Equifax refused to block fraudulent accounts despite receiving FTC Identity Theft Reports and police reports. 
Resolution : Equifax failed to block the fraudulent accounts or provide a valid explanation. 
Violations : FCRA 1681c-2 : Refusal to block fraudulent information.

Metro 2 Compliance Standards : Failure to ensure consistency across all credit reports. 
Evidence : XXXX XXXX FTC Identity Theft Reports : # XXXX # XXXX XXXX. Complaint # XXXX Date Filed : XX/XX/year> Issue : Equifax failed to address disputes regarding fraudulent accounts and ignored supporting documentation.

Resolution : Equifax closed the dispute without proper investigation.

Violations : FCRA 1681i ( a ) : Failure to reinvestigate disputed information.

E-OSCAR Protocols : Lack of reasonable investigation. 
Evidence : File XXXX FTC Identity Theft Reports : # XXXX # XXXX 4. Complaint # XXXX Date Filed : XX/XX/year> Issue : Equifax failed to ensure consistent and accurate reporting across all credit bureaus.

Resolution : No resolution provided. Equifax failed to take corrective action.

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

Metro 2 Compliance Standards : Inconsistent reporting of account statuses and balances. 
Evidence : Refer to file XXXX. 
5. Complaint # XXXX Date Filed : XX/XX/year> Issue : XXXX XXXX XXXX reported inaccurate debts without validation, which Equifax continued to report.

Resolution : Equifax failed to validate or remove the debts.

Violations : FDCPA 1692e : False and misleading representations in debt collection. 
Texas Finance Code 392.304 : Misleading representations about debt status.

Evidence : Refer to file XXXX. 
6. Complaint # XXXX Date Filed : XX/XX/year> Issue : XXXX XXXXXXXX XXXX failed to validate debts upon request, yet Equifax continued reporting them.

Resolution : Equifax failed to investigate or remove the unverifiable debts.

Violations : FDCPA 1692g : Failure to validate debts.

E-OSCAR Protocols : Lack of reasonable investigation.

Texas Finance Code 392.202 : Failure to investigate and correct disputed inaccuracies. 
Evidence : Refer to file XXXX. 
7. Complaint # XXXX Date Filed : XX/XX/year> Issue : Equifax refused to correct errors on my credit report despite receiving FTC Identity Theft Reports and supporting documentation.

Resolution : Equifax ignored the dispute and allowed inaccurate information
to remain.

Violations : Texas Finance Code 392.202 : Failure to investigate and correct disputed inaccuracies.

Texas Business & Commerce Code 20.06 : Failure to correct errors in credit reports. 
Evidence : XXXX XXXX FTC Identity Theft Reports : # XXXX # XXXX 8. Complaint # XXXX Date Filed : XX/XX/year> Issue : Equifax reinserted previously disputed and corrected information without proper notice.

Resolution : Equifax failed to notify me of the re-insertion or provide justification.

Violations : FCRA 1681i ( a ) : Failure to reinvestigate.

Texas Business & Commerce Code 20.07 : Re-insertion of disputed information without notice. 
Evidence : Refer to file XXXX. 
Violations of State and Federal Laws Federal Violations ( FCRA and Regulation F ) : 12 CFR 1006.18 : False and misleading representations by XXXX XXXX XXXX and XXXX XXXX XXXX 
12 CFR 1006.26 : Continued reporting and collection of time-barred debts by Equifax.

12 CFR 1006.34 : Failure to provide adequate validation notices for disputed debts.

Texas Violations ( Finance Code and Civil Practice Code ) : Texas Finance Code 392.202 : Failure to investigate and correct inaccuracies in credit reports.

Texas Finance Code 392.307 : Reporting of time-barred debts beyond the statute of limitations.

Texas Civil Practice and Remedies Code Sec. 16.004 : Reporting of debts older than four years, in violation of Texas law.

Requested Actions Conduct a comprehensive reinvestigation of all disputes.

Remove unverifiable, inaccurate, or time-barred accounts.

Ensure compliance with Metro 2 standards and E-OSCAR protocols.

Provide clear documentation of all updates made to my credit file.

Compensate me for financial and emotional harm caused by Equifaxs negligence.

Conclusion Equifaxs persistent failure to address disputes, comply with legal obligations, and adhere to federal and state laws has caused significant harm. I urge all parties to take immediate corrective action.

Should these issues remain unresolved within 30 days, I will escalate further through legal action and additional regulatory complaints. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief