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: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint to the CFPB Against Equifax Inc.

Subject : Violation of the FCRA : Failure to Provide Credit Report To Whom It May Concern, I am filing this complaint against Equifax Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) stemming from their repeated failure to provide me with a copy of my credit report despite my lawful request.

I submitted a formal request for my credit report to Equifax and included all the required documentation to verify my identity, including : A copy of my government-issued ID, My Social Security card , and Proof of address ( e.g., utility bill, lease agreement, or bank statement ).

Despite fulfilling these verification requirements, Equifax has failed to provide my credit report, violating my rights under the FCRA. This delay is unreasonable, unlawful, and has caused harm to my ability to monitor and manage my credit profile.

Violations of the FCRA by Equifax Failure to Provide Credit Report Upon Request Violation : Under 15 U.S.C. 1681g ( a ), Equifax is required to provide a consumer report to individuals who request it and verify their identity. By failing to provide the requested report, Equifax is in noncompliance with this statutory obligation.

Failure to Provide Timely Access Violation : Under 15 U.S.C. 1681j ( a ), Equifax is required to respond to consumer requests within a reasonable timeframe. The delay in providing my report is both unreasonable and a violation of this provision.

Negligent and Willful Noncompliance Violation : Equifaxs failure to comply with these requirements, whether negligent or willful, makes them liable for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o. If willful, they may also be subject to punitive damages.

Demand for Immediate Action To resolve this matter, I am requesting the following actions : Immediate Delivery of Credit Report Equifax must send me a full and accurate copy of my credit report via XXXX overnight delivery to the address provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Written Explanation for the Delay Equifax must provide a written explanation detailing the reasons for their failure to comply with my lawful request and the unreasonable delay in providing my credit report. 
Review and Correction of Internal Processes Equifax must review and revise their internal procedures to ensure all consumer requests for credit reports are handled in compliance with the FCRA, within a reasonable timeframe, and without unnecessary delays.

Compensation for Damages Equifax must compensate me for the harm caused by their noncompliance, including : Actual damages incurred due to delays and inability to access my credit report.

Statutory damages of up to {$1000.00} for each violation, as allowed under 15 U.S.C. 1681n ( a ).

Punitive damages for willful noncompliance.

Conclusion Equifaxs repeated failure to comply with my lawful request for access to my credit report is a clear violation of the FCRA. These actions have caused unnecessary stress and harm to my ability to manage my credit and financial profile.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure Equifax complies with the FCRA and provides my report immediately. If Equifax continues to fail in fulfilling their obligations, I will pursue all available legal remedies, including additional damages, attorney fees, and regulatory penalties. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation