Consumer complaint received 2025-03-27 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:
OFFICIAL LEGAL COMPLAINT AND DEMAND FOR DAMAGES From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX To : Equifax Information Services, LLC Subject : Comprehensive Complaint and Legal Demand for Damages Due to Violations of Federal and State Consumer Protection Laws INTRODUCTION This official legal complaint addresses systemic violations of federal and state consumer protection laws by Equifax Information Services, LLC, XXXX XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX. These violations include breaches of the following : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Truth in Lending Act ( TILA ) Metro 2 compliance standards Texas consumer protection laws These actions have caused significant harm to my financial reputation, creditworthiness, and emotional well-being. This document provides a detailed chronological account of their failures, supported by evidence, and demands immediate corrective actions and damages. The pattern of negligence and non-compliance demonstrated by these entities warrants legal intervention to prevent further harm to myself and other consumers. 


KEY LEGAL VIOLATIONS Violations by Equifax Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to Ensure Accuracy : Equifax failed to ensure that credit reports reflected maximum possible accuracy by relying solely on data furnishers and failing to validate disputed information.

15 U.S.C. 1681i Failure to Conduct Reasonable Investigations : Equifax failed to reinvestigate disputes properly, relying entirely on furnishers responses without conducting independent investigations.

15 U.S.C. 1681c Reporting Time-Barred Debts : Equifax reported debts that are beyond the statute of limitations under Texas law , causing harm to my creditworthiness.

Metro 2 Compliance Standards : Equifax failed to enforce Metro 2 compliance among furnishers, allowing inaccurate and unverifiable accounts to remain on my report. 
Texas Consumer Protection Laws : Texas Business and Commerce Code 20.06 : Equifax failed to investigate disputes promptly as required by Texas law. 
Criminal Liability for Willful and Knowing Violations ( 15 U.S.C. 1611 ) : XXXX repeated failures to investigate disputes, correct inaccuracies, and comply with federal and state laws demonstrate willful negligence and knowing violations of consumer protection statutes. 
Failure to Safeguard Consumer Data : FCRA 1681c-1 : Equifax failed to implement adequate security measures, as evidenced by the XXXX data breach that exposed the personal information of XXXX XXXX individuals. 
Failure to Validate Debt ( 15 U.S.C. 1692g, FDCPA ) : Equifax permitted furnishers to report debts without proper validation, violating the Fair Debt Collection Practices Act ( FDCPA ) and Texas Finance Code Chapter 392.

Improper Investigations of Credit Reporting Errors : Source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors Equifax failed to properly investigate errors in credit reporting, leading to the continued dissemination of inaccurate information and harm to consumers. 
Inaccurate Credit Scores Provided to Lenders : Source : Attorney General XXXX XXXX {$720000.00} from Equifax for Harming Consumers Through Inaccurate Credit Scores Between XXXX and XX/XX/XXXX, Equifax provided inaccurate credit scores to lenders, affecting over XXXX consumers. 
Negligence in Data Breach Security : Source : Equifax Data Breach Settlement | Federal Trade Commission Equifax failed to safeguard consumer data, exposing sensitive personal information of millions of individuals and violating consumer privacy rights. 
Violation of Privacy Policies and Behavioral Advertising Practices : Source : Equifax Online Behavioral Advertising Notice ( US Only ) and Privacy | Equifax Equifaxs use of consumer data for behavioral advertising without proper notification or consent violates federal privacy laws and consumer rights under the FCRA. 

CHRONOLOGICAL FACT-FINDING AND EVIDENCE XXXX. XXXX XXXX XXXX  ( Accounts Ending in XXXX and XXXX ) Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details : Account XXXX : Balance {$46000.00} ; XXXX XXXX {$37000.00} ( Utilization : 122 % ) Account XXXX : Balance {$37000.00} ; Credit Limit {$31000.00} ( Utilization : 119 % ) Dispute History : Disputes filed with Equifax, XXXX, and XXXX. 
XXXX XXXX failed to provide validation or correct inaccuracies. 
Violations : FCRA 1681e ( b ) : Failure to ensure maximum accuracy.

FDCPA 1692e : Misrepresentation of debt status.

TILA 1637 ( b ) : Failure to provide accurate statements. 

XXXX. XXXX XXXX XXXX  ( Account Ending in XXXX ) Source : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Details : Balance : {$5600.00} Status : Charge Off Date of First Delinquency : XX/XX/XXXX Dispute History : Filed dispute on XX/XX/XXXX. 
XXXX XXXX failed to provide validation or correct inaccuracies. 
Violations : FCRA 1681i : Failure to conduct a proper reinvestigation.

FDCPA 1692g : Failure to validate debt. 

3. XXXX XXXX  ( Account Ending in XXXX ) Source : XXXX XXXX  XXXX Details : Balance : {$9200.00} Status : Charge Off Date of First Delinquency : XX/XX/XXXXXXXX  Dispute History : Filed dispute on XX/XX/XXXX. 
XXXX failed to provide validation or correct inaccuracies. 
Violations : FCRA 1681i : Failure to conduct a proper reinvestigation.

FDCPA 1692g : Failure to validate debt. 

4. XXXX XXXX XXXX ( Accounts Ending in XXXX and XXXX ) Source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details : Account XXXX : {$1300.00} ( Unpaid ), Date of First Delinquency : XX/XX/XXXX Account XXXX : {$820.00} ( Unpaid ), Date of First Delinquency : XX/XX/XXXXXXXX  Dispute History : Filed disputes on XX/XX/XXXX, and XX/XX/XXXX. 
Equifax failed to validate ownership or remove the accounts. 
Violations : FCRA 1681i : Failure to investigate disputes.

FDCPA 1692g : Failure to validate debt.

Texas Finance Code 392.304 : Misrepresentation of debt validation rights. 

5. XXXX XXXX ( Account Ending in XXXX ) Source : XXXX XXXX XXXX Details : Status : Closed, Balance : {$0.00} High Credit : {$360000.00} Dispute History : Filed dispute on XX/XX/XXXX. 
Equifax failed to provide a transparent resolution or validation. 
Violations : FCRA 1681i : Failure to conduct a proper reinvestigation.

Metro 2 Compliance : Failure to ensure accurate reporting. 

6. XXXX XXXX XXXX ( Account Ending in XXXX ) Source : XXXX XXXX XXXX XXXX Details : Balance : {$1200.00} Status : Collection Date of First Delinquency : XX/XX/XXXX Dispute History : Filed dispute on XX/XX/XXXX. 
XXXX XXXX failed to validate the debt. 
Violations : FDCPA 1692g : Failure to validate debt.

Texas Finance Code 392.304 : Misrepresentation of debt validation rights. 

7. XXXX XXXX XXXX XXXX ( Account Ending in XXXX ) Source : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Details : Account Type : Revolving ( Credit Card ) Status : Charge Off Balance : {$4500.00} ( Exceeds {$3500.00} limit by {$1000.00} ) Date of First Delinquency : XX/XX/XXXX Dispute History : Filed dispute on XX/XX/XXXX. 
Equifax failed to correct inaccuracies or provide validation. 
Violations : FCRA 1681i : Failure to conduct a proper investigation.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

REQUESTED ACTIONS AND DEMANDS Comprehensive Reinvestigation of Disputed Items : Reinvestigate all disputed accounts and provide detailed findings. 
Include the name and contact information of the investigators. 
Compliance with Metro 2 Standards : Ensure furnishers comply with Metro 2 guidelines for accurate reporting.

Remove accounts that fail to meet compliance standards. 
Accountability for Furnishers : Investigate whether furnishers are reporting false or unverifiable information. 
Penalize furnishers in violation of FCRA and FDCPA standards. 
Restitution for Damages : Provide compensation for financial harm caused by Equifaxs negligence.

Include damages for emotional distress and reputational harm. 
Implementation of Safeguards : Strengthen data security measures to prevent future breaches. 
Establish transparent investigation protocols to ensure compliance. 
Public Accountability : Publish findings and corrective actions to restore consumer trust. 

CONCLUSION The violations outlined in this complaint demonstrate a pattern of negligence and non-compliance by Equifax, XXXX XXXX, XXXX XXXX, and XXXX. These actions have caused significant harm to my financial reputation and emotional well-being. 

I demand immediate corrective actions and compensation for damages. Failure to comply within 30 days will result in further legal escalation, including lawsuits in federal and state courts and complaints to regulatory agencies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief