Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This complaint serves as a formal complaint and notice of willful noncompliance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536, Higher Education Act ( HEA ), 20 U.S.C. 1083 ( e ), and Metro 2 Compliance Guidelines, for Equifaxs unlawful and reckless credit reporting practices. 

1. Identity Theft Mishandling XXXX XXXX. 
I submitted to Equifax all documentation required to block fraudulent information under 15 U.S.C. 1681c-2, including : A copy of my FTC Report A valid Identity Theft Report, A copy of my government-issued identification, A written request to block fraudulent information from my consumer report. 

Equifax has willfully continued to report the XXXX XXXX account, despite clear evidence of identity theft. You were obligated by law to block this account from my file within 4 business days, as outlined under 15 U.S.C. 1681c-2. 

This represents a knowing and reckless violation of my consumer rights and qualifies as willful noncompliance under : 15 U.S.C. 1681n, which entitles me to statutory damages, punitive damages, and attorneys fees, and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), which affirmed that reckless disregard of federal obligations constitutes a willful violation. 

2. False Department of Education Reporting No Late Payment History Equifax is currently reporting 90-day late payments as of XX/XX/XXXX on the following Department of Education loan accounts : {$890.00} {$1400.00} {$1100.00} {$1600.00} {$1800.00} {$760.00} There is no history of delinquency on any of these accounts. Furthermore, under the Higher Education Act ( 20 U.S.C. 1083 ( e ) ), loan servicers are required to provide written notice at least 21 days before any payment is considered late. 

To date, I have not received any such notification. Therefore, I demand the following be produced : Documentation showing the 21-day pre-notice, Any electronic or postal communications, All contact logs, tracking numbers, and Full payment history and delinquency calculations used to justify the XX/XX/XXXX reporting. 

Absent this documentation, the 90-day late marks are false, unverifiable, and unlawfully damaging. 

3. FCRA and Metro 2 Compliance Violations Equifaxs continued reporting of inaccurate and unverifiable data violates the following federal statutes : 15 U.S.C. 1681s-2 ( a ) Data furnishers must not report information they know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Upon notice of a dispute, you are required to conduct a proper reinvestigation. 

15 U.S.C. 1681i ( a ) Consumer reporting agencies must reasonably reinvestigate disputed items within 30 days. 

Additionally, under Metro 2 Compliance Guidelines, you are prohibited from reporting delinquent data without a verifiable Date of First Delinquency ( DOFD ) and must accurately reflect account status using standardized coding. Equifax has failed to do so, creating a materially misleading consumer report. 

4. Unfair Practices CFPA Violation Your actions also violate the Consumer Financial Protection Act, specifically : 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) Prohibits any deceptive, unfair, or abusive acts or practices ( UDAAP ) in connection with consumer financial products or services. 

By continuing to report unverifiable and inaccurate data despite documented disputes and legal protections, Equifax has engaged in an unfair practice that exposes you to regulatory enforcement and private litigation. 

DEMAND FOR ACTION You are hereby demanded to : Immediately delete the fraudulent XXXX XXXX tradeline from my consumer report, per 15 U.S.C. 1681c-2.

Immediately remove all 90-day late notations for the Department of Education accounts listed above. 

Provide all records including pre-delinquency communications, contact logs, tracking numbers, electronic notices, and full payment history for the affected accounts. 

Issue a corrected consumer report at no cost. 

If you do not comply within 4 calendar days, I will file complaints with the State Attorney General, and Department of Education, and pursue civil action for violations of 15 U.S.C. 1681n, 1681o, and 12 U.S.C. 5536, among others.

This complaint serves as legal notice. Please preserve all records related to this dispute for litigation purposes.

Company response to consumer: Closed with explanation