Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX  ( Issuer of XXXX XXXX  Accounts ) XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, UT XXXX Experian Consumer Assistance XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  ( Experian Subsidiary ) XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) Complaint Division Federal Trade Commission ( FTC ) Consumer Protection Bureau California Attorney Generals Office Consumer Fraud Division XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -- - RE : LEGAL DEMAND CREDIT REPORTING VIOLATIONS, SCORE MANIPULATION, & DAMAGES Dear Consumer Protection Authorities & Corporate Representatives, This formal legal demand addresses serious violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and Unfair and Deceptive Acts and Practices ( UDAP ) laws due to inaccurate credit reporting, score suppression, and financial harm caused by your organizations. 

XXXX, XXXX, Experian, XXXX XXXX, and XXXX have failed to correct false and misleading credit data, resulting in denied credit, suppressed scores, and lost financial opportunities. I have filed complaints with the CFPB, FTC, and California Attorney General, and legal action will follow if immediate corrective actions are not taken. 


-- - VIOLATIONS & LEGAL CLAIMS 1. False Credit Reporting & Score Suppression ( FCRA 1681e ( b ) ) Fingerhut/WebBank misreported my PreciseID verification score as 189, a false and artificially suppressed figure. 
Experian, XXXX XXXX, and XXXX failed to verify my actual credit status, allowing this violation. 
Supporting Case Law : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX, Supreme Court ). 

Statutory Claim : {$1000.00} per FCRA violation & financial harm compensation. 


-- - 2. Unjustified Credit Denial & Failure to Provide Adverse Action Notice ( ECOA XXXX ) XXXXk denied me credit based on an unreliable score ( 189 ), violating ECOA. 
No valid Adverse Action Notice ( AAN ) was provided, which is a direct ECOA violation. 
Experian and XXXX XXXX allowed this denial to occur by failing to ensure accurate reporting. 
Supporting Case Law : XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ). 

Statutory Claim : Up to {$10000.00} per XXXX violation & punitive damages. 


-- - 3. Deceptive Business Practices & Systematic Credit Suppression ( CFPB & FTC UDAP Violations ) Fingerhut/WebBank engaged in deceptive lending practices by using unreliable verification scores to suppress credit access. 
Experian, XXXX XXXX, and XXXX failed to provide transparency in scoring, misleading consumers. 
Supporting Case Law : CFPB XXXX XXXX ( XXXX ), CFPB v. Experian ( XXXX ) Fined for misleading consumers. 

Statutory Claim : CFPB enforcement action & federal fines. 


-- - DEMANDS FOR IMMEDIATE CORRECTIVE ACTION 1 Correct My Credit Reports & Remove False Score Designations XXXX, Experian, XXXX XXXX  XXXX and Equifax must correct my credit data immediately. 


XXXX Provide a Legally Required Adverse Action Notice XXXX must issue a valid notice explaining why credit was denied. 


XXXX Confirm Compliance with Federal Consumer Protection Laws All agencies must confirm in writing compliance with FCRA, ECOA, and CFPB/FTC UDAP laws. 


XXXX Compensate for Financial Harm {$1000.00} per FCRA violation Up to {$10000.00} per ECOA violation Additional damages for deceptive business practices -- - FINAL DEADLINE BEFORE LEGAL ACTION You have 10 business days ( until XX/XX/XXXX ) to : Correct all credit reporting errors & remove suppressed score. 
Provide a legally compliant Adverse Action Notice. 
Issue written confirmation of compliance with consumer protection laws. 
Address claims for financial damages. 

If I do not receive confirmation by XX/XX/XXXX, I will : File lawsuits in XXXX XXXX XXXX against all involved parties. 
Request full CFPB & FTC enforcement actions against your organizations. 
Escalate the case to legal firms for potential class-action lawsuits. 

This is your final opportunity to resolve this matter before full litigation and regulatory enforcement. 

I expect written confirmation of compliance by the deadline. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation