Consumer complaint received 2025-07-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/year> Submitted via CFPB Complaint Portal Equifax Attn : Legal Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTICE OF INTENT TO ARBITRATE Pre-Arbitration Demand Under FCRA, 15 U.S.C. 1681 et seq.

To Whom It May Concern : This notice constitutes my formal intent to initiate binding arbitration against Equifax if full deletion and legal correction of the inaccurate data listed below are not completed within 30 calendar days of receipt. 

On XX/XX/year>, I filed the following CFPB complaints : # XXXX Failure to update personal identifying information despite repeated requests and submission of valid identification. 
# XXXXXXXX Failure to disclose method of verification and reinvestigation documentation in response to disputed negative accounts, violating 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ).

As of today, both complaints remain open with no legal remedy, no reinvestigation results, and continued publication of false and unverifiable data on my Equifax report.

ACCOUNTS STILL REPORTING IMPROPERLY : Each of the following accounts was formally disputed but remains without legally sufficient validation : XXXX. XXXX XXXX XXXX Charged-off auto loan with post-charge-off balance, no 1099-C form, multiple late payments improperly retained XXXX. XXXX XXXX XXXX XXXX Active collection account, no proof of assignment, no chain of custody or original creditor validation XXXX. XXXX XXXX XXXX Disputed collection tradeline retained with no reinvestigation results or collector licensing documentation XXXX XXXX XXXX XXXX XXXX XXXX Reports 30-day lates after account closure, structurally impossible timeline XXXX. XXXX Reflects delinquency dated after closure, violating Metro 2 formatting standards and 1681e ( b ) XXXXXXXX XXXX XXXX XXXX XXXX Reports paid account with retained derogatory payment history, no confirmation of dispute handling Additionally, Equifax has failed to update my personal information including name and address corrections, despite being provided a government-issued ID. 


LEGAL VIOLATIONS : Equifaxs actions, omissions, and continued reporting constitute multiple violations of federal law, including : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 6 ) & 1681i ( a ) ( 7 ) Failure to provide results of reinvestigation and method of verification FCRA 623 ( a ) ( 7 ) Furnishing derogatory information without notice IRS Code 6050P Failure to provide tax cancellation reporting for charged-off debts Metro 2 Guidelines Inaccurate formatting, post-closure lates, retained obsolete data XXXX Agreement Violations Suspected use of automated systems ( e-OSCAR, XXXX  ) in response to disputes, failure to perform human-led investigations DAMAGES & CORPORATE EXPOSURE : Each of the above violations is subject to statutory damages of {$1000.00} under the FCRA, with actual exposure as follows : 6 tradelines improperly retained Multiple FCRA subsections violated per account Failure to correct personal information Estimated exposure : {$20000.00} {$30000.00}, plus punitive damages, filing fees, and prevailing party legal costs

Company response to consumer: Closed with non-monetary relief