Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Demand for Deletion of Unverified Accounts and Inquiries Willful FCRA Violation Invoice for Damages Dear Experian, Transunion, & Equifax I previously submitted a Method of Verification request for all accounts, collections, and inquiries on my Experian credit report. Experian responded by marking each item as verified, yet failed to provide any documentation or method of verification, in willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e, and 1681s-2.

Your refusal to provide proof of verification exposes Experian to statutory and actual damages under 15 U.S.C. 1681n & 1681o. 



Accounts Not Verified 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Immediate Deletion and Damages 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Right to dispute and reinvestigation.

15 U.S.C. 1681e ( b ) : Duty to maintain reasonable procedures to ensure accuracy.

15 U.S.C. 1681s-2 ( b ) : Obligation of furnishers to provide accurate information.

15 U.S.C. 1681n & 1681o : Civil liability for willful and negligent noncompliance, including actual and statutory damages.

FDCPA / 15 U.S.C. 1692 et seq. : Validation of debt and prohibition of collecting unverified debts.

O.C.G.A. 10-1-390 et seq. : Protection against unfair or deceptive practices.

Demand & Notice of Intent to Sue 1. Delete all unverifiable accounts, collections, and inquiries immediately.

2. Provide written confirmation of deletion to my address above.

3. Preserve all verification documentation for each item.

4. Payment for statutory and actual damages : Statutory damages per violation ( FCRA 1681n ( a ) ( 1 ) ) : {$1000.00} per item Actual damages for lost credit opportunities, stress, and inconvenience : {$5000.00} per item Total invoice for damages for unverified items : $ XXXX ( XXXX accounts, XXXX collection, XXXX inquiries ) If Experian fails to comply within XXXX business days, I will : File formal complaints with the CFPB, FTC XXXX and Georgia Attorney General. 
Initiate civil litigation for willful FCRA violations, seeking statutory damages, actual damages, punitive damages, court costs, and attorneys fees. 
Seek injunctive relief to remove all unverified items. 

This letter constitutes formal notice of intent to sue and demand for damages for Experian willful noncompliance. 



Certificate of Service : I certify that on this date, I mailed this letter via certified mail, return receipt requested. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief