Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Equifax Information Services LLC Attn : Legal Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Final Legal Notice Unlawful Name Blocking & Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter serves as a formal demand and final notice before initiating legal action against Equifax Information Services LLC for its unlawful blocking of my name from all credit reporting agencies, despite my submission of valid identification documents proving my identity. 

Equifaxs actions have wrongfully denied me access to my own credit report and caused financial and personal harm, in clear violation of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX et seq. ). 

Equifaxs Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA ( XXXX U.S.C. XXXX ), Equifax is legally required to provide a consumer with their complete credit file disclosure upon request. Blocking my name without valid cause is a direct violation of my right to access my credit report. 

Additionally, under the FCRA ( XXXX U.S.C. XXXX ), Equifax is required to conduct a proper investigation and correct inaccurate reporting within 30 days. The continued restriction of my credit file access after providing proof of my identity is a reckless and willful violation of federal law. 

Harm Caused by Equifaxs Actions Due to Equifaxs unlawful conduct, I have suffered severe financial and reputational harm, including but not limited to : Inability to access my own credit history, restricting my financial opportunities. 
Denial of credit, loans, and other financial services due to Equifaxs wrongful blocking of my information. 
Delays in employment verification and other essential transactions. 
Emotional distress and reputational damage caused by Equifaxs negligence. 

Immediate Corrective Action Demanded To avoid legal action, I demand that Equifax immediately : 1. Unblock my name and restore my credit profile across all credit reporting agencies. 
2. Provide written confirmation that my credit file has been fully reinstated. 
3. Issue a free copy of my credit report, as required by law.

Legal Action for Noncompliance If Equifax fails to take corrective action within 15 days of receiving this letter, I will immediately initiate a lawsuit against Equifax for violations of the Fair Credit Reporting Act ( FCRA ), specifically : Failure to provide required credit file disclosures ( XXXX U.S.C. XXXX ). 
Failure to investigate and correct inaccuracies ( XXXX U.S.C. XXXX ). 
Willful and negligent noncompliance with federal law ( XXXX U.S.C. XXXX, XXXX ). 

In my lawsuit, I will seek : Actual damages for financial harm caused by Equifaxs unlawful conduct. 
Statutory damages of up to {$1000.00} per violation. 
Punitive damages for willful violations. 
Attorneys fees and litigation costs. 

Additionally, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for Equifaxs violations of the FCRA and its failure to correct its misconduct. 

Final Notice Before Legal Action This letter serves as final legal notice before a lawsuit is filed. If Equifax fails to reinstate my credit file and provide written confirmation within 3 days, I will proceed with litigation without further notice. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation