Consumer complaint received 2025-02-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XX/XX/XXXX ( XXXX ) Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Demand for Compliance Violation of FCRA, Unlawful Credit Reporting, and Failure to Provide Credit Report Dear Equifax Representative XXXX This letter serves as a formal demand for immediate compliance with federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). Your failure to process my personal information update, refusal to provide my legally entitled credit report, and continued unlawful reporting of credit information have placed you in direct violation of federal law. 
Failure to Process My Certified Letter & Address Discrepancy On XX/XX/XXXX, I sent a certified letter ( tracking number : XXXX ) to Equifax at XXXX XXXX XXXX, XXXX, GA XXXX, containing the following : My full legal name My Social Security number My updated address A copy of my Texas Identification Card A copy of a utility bill ( light bill ) for address verification Despite providing the exact documentation Equifax requires XXXX I received a response dated XX/XX/XXXX, falsely stating that my file could not be located in your database. 
This raises the following serious legal concerns : 1. If Equifax claims no credit file exists in my name, then any reporting of credit-related information on my behalf is unlawful and constitutes a direct violation of the FCRA and 15 U.S.C. 1681e ( b ), which mandates accurate reporting of consumer information. I demand that Equifax immediately cease all credit reporting in my name if you can not verify my identity.

2. Equifax is currently reporting information about me on my credit filewhich means you do have a file matching my identity. Your refusal to locate it is either a grossly negligent or intentional violation of federal law.

3. If your mailing address has changed, then I demand to know who accepted my certified letter at XXXX XXXX XXXX and why it was not forwarded to the appropriate department. I have proof of delivery and require an immediate explanation. 
Denial of My Right to a Free Credit Report On XX/XX/XXXX, I called Equifax at XXXX to request my legally entitled free annual credit report. I spoke with XXXX and later her alleged supervisor, both of whom denied my request in direct violation of the FCRA. 
Additionally, during this call : XXXX falsely claimed that I was not allowed to record the conversation, despite Equifax actively recording consumers for quality and training purposes. 
When I requested written documentation of this alleged policy, she admitted it does not exist. 
This constitutes misrepresentation, obstruction of consumer rights, and deceptive business practices. 
The supervisor confirmed that Equifax records calls, further proving that their claim regarding my right to record was false. 
Immediate Demands 1. If Equifax can not locate a file in its system matching my personal information, it must immediately cease all credit reporting in my name. Continuing to report data without verification is unlawful under the FCRA.

2. I demand my free annual credit report within 15 days of receipt of this letter, as required by federal law.

3. I will not be providing my sensitive personal information again, as Equifax has already received it and failed to process it properly. The mishandling of my original certified letter already poses an unacceptable security risk.

4. I demand written confirmation of who accepted my certified letter at XXXX XXXX XXXX and why it was not properly processed. 
Legal Consequences for Non-Compliance If Equifax fails to comply with this request, I will proceed with the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursue legal action for violations of the FCRA, deceptive business practices, and failure to comply with federal consumer protection laws. 
Publicly document these violations and report XXXX misconduct to relevant regulatory agencies and legal authorities. 
Furthermore, Equifax is currently under legal scrutiny and being sued by the CFPB for its failure to uphold consumer protection standards. This continued pattern of non-compliance and negligence only strengthens my case for additional legal action. 
This letter serves as formal notice that if Equifax does not rectify this matter immediately, I will explore all available legal remedies. I expect a written response within 15 days of receipt of this letter. Enclosed is proof of delivery for my original certified correspondence. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of Certified Mail Proof of Delivery Copy of Previous Correspondence Sent to Equifax XXXX : XXXX XXXX

Company response to consumer: Closed with explanation