Consumer complaint received 2025-07-01 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:
* * FINAL DEMAND LETTER UNDER FCRA, 18 U.S.C. 1028A, AND STATE CONSUMER LAWS XXXX XXXX XXXX XXXX  VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX * * XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Re XXXX XXXX XXXX XXXX XXXX  IMMEDIATE DELETION OF DISPUTE HISTORIES, INQUIRIES, DEROGATORY ITEMS, AND UNAUTHORIZED ACCOUNTS XXXX XXXX XXXX XXXX  Consumer : * * [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX Address XXXX XXXX XXXX  [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ] XXXX * XXXX XXXX XXXX XXXX  XXXX Business Days from Receipt XXXX XXXX XXXX XXXX XXXX XXXX  LEGAL DEMANDS XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and 18 U.S.C. 1028A, you are directed to perform the following within XXXX XXXX  XXXX ( XXXX ) business days XXXX XXXX XXXX XXXX XXXX XXXX Erase All Dispute Histories ( XXXX  Months ) XXXX XXXX XXXX XXXX Remove all records of disputes submitted on my behalf. Retention risks " frivolous '' or " duplicate '' designations under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ], obstructing my right to accurate reinvestigations. 

XXXXXXXX XXXX XXXX Delete All Hard and Soft Inquiries XXXX XXXX XXXX XXXX  Expunge every inquiry lacking " permissible purpose '' under FCRA 604 [ 15 U.S.C. 1681b ]. Creditors never obtained lawful consent to access my credit data. 

XXXXXXXX XXXX XXXX Remove All Derogatory Items & Negative Remarks XXXX XXXX XXXX XXXX Eliminate late payments, collections, charge-offs, utilization data, and any adverse information. These items : - Violate FCRA 607 ( b ) for failure to ensure maximum accuracy. 
- Exceed permissible reporting periods under FCRA 605 [ 15 U.S.C. 1681c ]. 

XXXX. XXXX XXXX  Terminate XXXX XXXX XXXX ( XXXX  ) Reporting XXXX XXXX XXXX XXXX Delete all XXXX  tradelines. XXXX  has a documented history of furnishing unverified data, violating FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ]. 

XXXX XXXX XXXX XXXX XXXX  II. LEGAL BASIS FOR DEMANDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A. FCRA Violations XXXX XXXX XXXX XXXX XXXX  XXXX ( a ) ( XXXX ) XXXX XXXX XXXX Your failure to delete dispute histories impedes future disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries and negative items lack " reasonable procedures '' to verify accuracy or permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systemic inaccuracies ( per CFPB XXXX XXXX ) warrant immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX B. Aggravated Identity Theft ( 18 U.S.C. 1028A ) XXXX XXXX Creditors unlawfully used my identity to report false data without authorization, constituting a felony triggering XXXX mandatory imprisonment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emotional Distress & Punitive Damages XXXX XXXX Your willful noncompliance caused XXXX XXXX XXXX XXXX  Emotional Harm XXXX XXXX XXXX  Severe anxiety, sleep disruption, and reputational damage. 
XXXX XXXX XXXX Financial Losses XXXX XXXX XXXX  Denied loans, inflated interest rates, and lost opportunities. 
Under FCRA 616 [ 15 U.S.C. 1681n ], I seek : - Actual damages ( quantified financial/emotional harm ) ; - Statutory damages ( {$100.00} {$1000.00} per violation ) ; - Punitive damages ; - XXXX fees and costs. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX : LEGAL IMPERATIVE FOR DELETION XXXX XXXX XXXX XXXX XXXX XXXXXXXX CFPB XXXX ( XXXX ) confirms its history of furnishing " systemically inaccurate data ''. 
- Multistate settlements ( XXXX ) further prove its unlawful reporting practices. 
- XXXX of XXXX tradelines violates FCRA XXXX and constitutes ongoing fraud. 

XXXX XXXX XXXX XXXX XXXX IV. NOTICE OF LEGAL ACTION XXXX XXXX Failure to comply within XXXX XXXX XXXX ( XXXX ) business days XXXX XXXX will compel me to : XXXX. File suit in federal court for : - Willful FCRA violations ( 15 U.S.C. 1681n, 1681o ) ; - Aggravated identity theft ( 18 U.S.C. 1028A ) ; - State consumer law claims. 
XXXX. Seek XXXX XXXX XXXX XXXX Injunctive relief XXXX XXXX  forcing deletion of all disputed items ; XXXX XXXX XXXX  Compensatory damages XXXX XXXX  ( XXXX XXXXXXXX for financial/emotional harm ) XXXX XXXX XXXX XXXX Punitive damages XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX fees and costs. 

XXXX XXXX XXXX XXXX XXXX V. CONSUMER RIGHTS ASSERTION XXXX XXXX I expressly XXXX XXXX refuse to " specify '' inaccuracies XXXX XXXX  beyond this notice. Your systems retain records of all disputed items, and FCRA 611 ( a ) ( 1 ) ( B ) places the verification burden on you. 

XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX  [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX  [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX UNDER PENALTY OF PERJURY XXXX XXXX XXXX I declare this information is true and correct. 
XXXX XXXX  ATTACHMENTS XXXX XXXX XXXX XXXX. Government-issued ID ; XXXX. Proof of address ( utility bill/lease ) ; XXXX. Copies of credit reports ( disputed items highlighted ).

Company response to consumer: Closed with explanation