Consumer complaint received 2025-06-01 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: LA

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Corporation XXXX XXXX XXXX Office Of The General Counsel XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DISPUTE OF INACCURATE, UNVERIFIABLE, AND INCOMPLETE INFORMATIONDEMAND FOR IMMEDIATE DELETION AND STATUTORY DAMAGES I. NOTICE OF VIOLATIONS AND LEGAL DEMAND This letter serves as formal notice that your credit reporting file contains multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related federal consumer protection statutes. I hereby DISPUTE and DEMAND the immediate and permanent deletion of all inaccurate, incomplete, unverifiable, and outdated information identified herein II. STATUTORY AUTHORITY AND CONSUMER RIGHTS Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within thirty ( 30 ) days. Per FCRA 623 ( b ), furnishers must investigate and respond to disputes. Failure to comply subjects you to statutory damages of $ XXXX {$1000.00} per violation under FCRA 616, plus actual damages, punitive damages, and attorneys fees under FCRA 617.

III. SPECIFIC DISPUTES AND VIOLATIONS ACCOUNT XXXX : XXXX XXXX XXXX XXXX  Account Status : CLOSEDViolations : FCRA 605 ( a ) ( 4 ) - Reporting period violation : Account shows 4 years 2 months age while closed, potentially exceeding 7-year limit FCRA 623 ( a ) ( 2 ) - Incomplete furnishing : Missing date of first delinquency verification Demand : IMMEDIATE DELETION - Account is closed and potentially time-barred ACCOUNT 2 : XXXX XXXX XXXX Account Number : XXXX XXXX ( INCOMPLETE ) Violations : FCRA 623 ( a ) ( 1 ) - Incomplete account identification Metro 2 Compliance Failure - Partial account number violates furnishing standards FCRA 607 ( b ) - Incomplete consumer reporting information Demand : IMMEDIATE DELETION - Unverifiable due to incomplete data ACCOUNT XXXX : XXXX XXXX XXXX 
Account Status : CLOSEDLast Payment : N/A ( INCOMPLETE REPORTING ) Violations : FCRA 623 ( a ) ( 2 ) - Incomplete payment history reporting Metro 2 Non-Compliance - Missing required payment amount data FCRA 605 ( a ) - Closed account retention beyond usefulness Demand : IMMEDIATE DELETION - Incomplete and unverifiable ACCOUNT 4 XXXX XXXX XXXX XXXX Violations : FCRA 623 ( a ) ( 1 ) - Incomplete account information visible FCRA 607 ( a ) - Insufficient identifying information Demand : COMPLETE VERIFICATION OR DELETION IV. CREDIT FILE STATUS VIOLATIONS Current Status : FRAUD_VICTIM_INITIAL_ALERT_V FILE_BLOCKED_FOR_PROMOTIONAL_PURPOSES SECURITY_FREEZE Violations : FCRA 605A - Improper fraud alert maintenance and notation FCRA 604 - File access restrictions improperly coded Demand : Correct file status coding immediately V. LEGAL DEMANDS AND REQUIREMENTS IMMEDIATE ACTIONS REQUIRED : 1. PERMANENT DELETION of all closed accounts identified above 2. COMPLETE VERIFICATION or deletion of incomplete account information 3. METHOD OF VERIFICATION ( MOV ) documentation for any accounts you claim to verify 4. WRITTEN CONFIRMATION of all deletions sent to my address above 5. UPDATED CREDIT REPORT reflecting all deletions within 5 business days VERIFICATION STANDARDS DEMANDED : Per FCRA 623 ( b ) ( 1 ), any reinvestigation must include : Original signed credit application or agreement Complete payment history from account inception Chain of title documentation for assigned accounts Verification of reporting period compliance Complete account numbers and identification data VI. NOTICE OF STATUTORY DAMAGES AND RECENT ENFORCEMENT RECENT CFPB ENFORCEMENT : Be advised that the Consumer Financial Protection Bureau recently ordered Equifax to pay a {$15.00} XXXX civil penalty for failing to properly investigate and resolve consumer disputes about inaccurate information on credit reports. CFPB Director XXXX XXXX stated : Equifax failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports. 
FCRA 616 - Willful Non-Compliance : $ XXXX {$1000.00} per violationFCRA 617 - Negligent Non-Compliance : Actual damages plus attorneys fees Your company processes approximately XXXX disputes each month and has demonstrated a pattern of inadequate investigations and flawed software systems that led to inaccurate consumer credit scores. This establishes a pattern of willful non-compliance that supports maximum statutory damages. 
Identified Violations Subject to Damages : Incomplete account reporting : XXXX accounts = $ XXXX {$4000.00} Closed account over-retention : XXXX accounts = $ XXXX {$4000.00} File status coding errors : $ XXXX {$1000.00} TOTAL POTENTIAL DAMAGES : $ XXXX {$9000.00} XXXX. THIRTY-DAY COMPLIANCE DEMAND You have thirty ( 30 ) days from receipt of this letter to : 1. Delete all disputed information that can not be completely verified 2. Provide written confirmation of deletions to my address 3. Furnish updated credit report showing deletions 4. Provide MOV documentation for any information you claim to verify FAILURE TO COMPLY will result in : Federal court action for FCRA violations Demand for maximum statutory damages Claims for punitive damages and attorneys fees State consumer protection law violations VIII. NO PARTIAL COMPLIANCE ACCEPTED This dispute demands COMPLETE DELETION of all accounts identified. Partial verification, continued reporting of incomplete information, or cosmetic changes are NOT ACCEPTABLE and will be considered continued willful violation of federal law. 
IX. PRESERVATION OF RIGHTS This letter preserves all rights under federal and state law. No action or inaction on your part will be construed as waiver of my rights to pursue all available legal remedies. 
X. RESPONSE REQUIREMENTS ALL WRITTEN RESPONSES must be sent to : XXXX XXXX XXXX XXXX XXXX  XXXX Response must include : Written confirmation of deletions Updated credit report MOV documentation ( if claiming verification ) Contact information for further correspondence DEMAND FOR IMMEDIATE COMPLIANCE I expect full compliance within the statutory timeframe. Failure to properly address these violations will result in appropriate legal action to enforce my rights under federal consumer protection laws. 
Respectfully submitted, XXXX XXXXXXXX XXXX XXXX ENCLOSURES : Copy of drivers license Copy of Social Security card Copy of utility bill ( address verification ) Copy of credit report pages showing disputed accounts

Company response to consumer: Closed with non-monetary relief