Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This legal complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq., and the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX et seq., in addition to all applicable federal statutes and consumer protection provisions under the CARES Act. The facts and arguments herein are made to demand the immediate deletion of multiple derogatory, inconsistent, unverifiable, and illegally maintained items from my credit reports issued by TransUnion, Experian, and Equifax. 
Despite submitting a formal complaint more than 48 days ago, and serving multiple debt validation and cease and desist notices, these credit bureaus continue to unlawfully report data that is : - Not consistent across all three bureaus ( in violation of FCRA XXXX ( b ) ) - Falsely derogatory despite pandemic-related protections ( CARES Act ) - Unverified and unsupported by proper investigation ( FCRA XXXX ) - Based on inquiries without permissible purpose ( FCRA XXXX ( a ) ( 3 ) ) I. Legal Grounds and Case Law Support - FCRA XXXX ( b ) : Requires consumer reporting agencies to maintain procedures ensuring maximum possible accuracy. Any report that is incomplete or misleading-including inconsistent tradelines-violates this provision. 
- FCRA XXXX : Credit bureaus must investigate and remove disputed items if not verified within 30 days. 
- FCRA XXXX ( a ) ( 3 ) : Inquiries must be authorized and made with a permissible purpose. 
- XXXX U.S.C. XXXXn : Willful noncompliance subjects agencies to actual damages, statutory damages, punitive damages, and attorney 's fees. 
- XXXX U.S.C. XXXXk ( Sections XXXX and XXXX ) : Provides civil liability for deceptive and misleading information, including XXXX  XXXX in damages. 
- CARES Act XXXX ( XXXX ) : Requires any loans in forbearance due to XXXX to be reported as 'current ' if they were current prior to relief. 
Supporting Case Law : - TransUnion XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - XXXX XXXX Experian Info. Solutions, No. XXXX ( C.D. XXXX. XXXX ) - In re Equifax Data Breach XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) XXXX. Derogatory Account Inconsistency Audit - IQ Data International ( XXXX XXXX XXXX ), {$7300.00} - All 3 bureaus - No validation. 
- XXXX XXXX, {$3400.00} - TU and EXP only - Inconsistent. 
- XXXX XXXX XXXX XXXX XXXX, {$510.00} - All 3 bureaus - No validation. 
- XXXX XXXX XXXX XXXX XXXX XXXX, {$600.00} - TU only - Inconsistent. 
- XXXX, XXXX  XXXX - All 3 bureaus - Must be current under CARES Act. 
- XXXX XXXX XXXX XXXX XXXX - TU only - Obsolete. 
III. Inquiry Audit and Removal Demand ( Within 48 Hours ) - XXXX XXXX XXXX - XX/XX/XXXX - TransUnion - XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - Equifax These inquiries lack a permissible purpose and must be removed under FCRA XXXX ( a ) ( 3 ). 
IV. Inaccurate Names, Addresses & Phone Numbers- Mismatched name : missing middle initial - Outdated addresses on file - Fraud alert phone numbers not belonging to me Violations : FCRA XXXX ( c ), XXXX, XXXX ( b ) V. Cease and Desist Until Verification Provided All reporting must stop unless investigation documents are produced under FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXXs-2 ( b ). 
VI. Formal Demand for Immediate Relief 1. Deletion of all disputed accounts and inquiries. 
2. Removal of outdated personal identifiers.

3. Written confirmation within 10 business days.

4. Suspension of future reporting until method of reinvestigation is disclosed. 
5. I demand these accounts be removed by law as required under Regulation F, XXXX C.F.R. Part XXXX. 
VII. Applicability of Regulation F Regulation F, implemented by the CFPB under XXXX C.F.R. Part XXXX, prohibits reporting without proper validation and limits post-dispute communications. Noncompliance constitutes a direct federal violation. 
VIII. Prior Fraud Documentation on File Previously submitted ID theft affidavits and reports require deletion under FCRA XXXX ( a ) - ( b ) and XXXXc-2.

Company response to consumer: Closed with non-monetary relief