Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
LEGAL NOTICE : DEMAND FOR DELETION DUE TO FAILURE TO INVESTIGATE To : Equifax Information Services LLC Re : Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Investigate and Remove Fraudulent Accounts On XX/XX/year>, Equifax publicly disclosed a data breach compromising the names and other personal data of Social Security recipients. As a consumer reporting agency, Equifax is legally obligated to investigate and rectify inaccurate or fraudulent information, ensuring full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This obligation includes, but is not limited to, adherence to regulations regarding data verification, transmission, system validation, and dispute resolution. 
Despite these statutory obligations, Equifax has engaged in gross negligence and willful misconduct by repeatedly failing to conduct proper investigations into disputes submitted through the Consumer Financial Protection Bureau ( CFPB ), online portals, and mailed correspondence. The CFPB has documented numerous instances where Equifax conducted sham investigations, failed to adequately review consumer disputes, and, in some cases, reinserted previously deleted inaccurate information into consumer credit files in direct violation of federal law. 
This pattern of reckless disregard for consumer rights is evident in my personal credit file. Multiple disputes have been ignored, and required documentation supporting deletions has been disregarded. Equifax has been provided with official deletion documentation from both Experian and TransUnion but has refused to take corrective action. The following accounts have been officially removed by other credit bureaus but remain improperly reported by Equifax : ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Deletion Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), Equifax is required to conduct a reasonable reinvestigation of any disputed information and delete any items that can not be verified. Equifaxs failure to remove fraudulent accounts, despite clear and documented evidence, constitutes a direct violation of my rights under federal law.

This dispute has remained unresolved for over two years without a proper investigation or validation. As such, I am demanding the immediate and permanent deletion of the above-referenced accounts, along with the full disassociation of my personal information from these fraudulent entries. 
Final Demand and Legal Consequences This is not a request for further review or modification. My consumer rights have been egregiously violated, resulting in significant financial and emotional harm. The only acceptable resolution is : The immediate and permanent deletion of all referenced accounts. 
An official deletion confirmation letter sent to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States This action must be completed within 10 days of receipt of this notice. Failure to comply will necessitate : A detailed written explanation from the assigned specialist, including full disclosure of the investigative process conducted.

Immediate escalation of this matter through legal channels, including formal complaints with the CFPB, FTC, and possible civil litigation. 
Personal liability of the responsible Equifax representatives for any financial and emotional damages incurred due to noncompliance. 
This letter serves as formal legal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681n & 1681o ), and any further inaction will result in legal consequences.

Immediate compliance is required.

Company response to consumer: Closed with explanation