Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
Subject : Ongoing Violations of the Fair Credit Reporting Act and Failure to Investigate Disputed Information Reference to CFPB v. Equifax ( Data Breach Lawsuit ) Dear Equifax Legal Department, This letter serves as my formal notice and complaint regarding Equifax 's ongoing failure to correct inaccurate and unverifiable information on my credit report. Despite having submitted multiple dispute letters, including most recently on XX/XX/XXXX, Equifax has failed to comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and has not provided a legally sufficient reinvestigation or method of verification.

Your actions are consistent with the Consumer Financial Protection Bureaus enforcement lawsuit against Equifax following its failure to protect sensitive consumer data and repeated disregard for legal obligations surrounding dispute resolution and consumer rights. 

Disputed Accounts ( Still Unverified or Inaccurate ) : COMENITYCAPITAL/LECLUB Acct # 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 XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # xxxx # # Unauthorized Inquiries ( Never Authorized or Verified ) : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Equifaxs Ongoing Failures Include : Refusal to delete or correct clearly inaccurate accounts ; No disclosure of method of verification or furnishers evidence ; Failure to provide a description of reinvestigation procedures, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ; Repeated violations of the statutory timelines and obligations set forth in 1681i ( a ).

These violations reflect a pattern of willful disregard for consumer rights, and mirror the behavior identified in the CFPBs lawsuit against Equifax for failing to safeguard consumer data and mismanaging dispute processes.

Legal Demands : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding : Immediate removal of all disputed accounts and inquiries listed above ; Written confirmation of deletion or correction for each item ; A complete copy of all reinvestigation documentation, including verification sources and procedures used.

Notice of Legal Action : If Equifax fails to comply with the above requests within 15 calendar days from receipt of this letter, I will take the following actions : File a formal complaint with the CFPB, FTC, and the New Jersey Attorney Generals Office ; Pursue legal remedies under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages ; Initiate a civil claim for willful and negligent noncompliance with federal law. 

This is a final demand for compliance. Your continued reporting of inaccurate and unverified information is unlawful and harmful.

Company response to consumer: Closed with non-monetary relief