Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Your corporation is engaged in the systematic and willful violation of the Fair Credit Reporting Act. You are actively publishing a completely fabricated financial identity in my name, despite being provided with incontrovertible proof of criminal identity theft. This is not a disputeit is a final pre-litigation demand for you to cease your illegal activity. 

XXXX. THE COMPREHENSIVE CATALOG OF FRAUDULENT DATA You are currently reporting the following fraudulent information. Every single item listed below is the result of criminal activity and must be permanently deleted immediately. 

FRAUDULENT TRADELINES : 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 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 TX ( I HAVE NEVER RESIDED AT THIS ADDRESS ) XXXX. STALLING AND BAD-FAITH TACTICS Equifax has XXXX in a systematic pattern of stalling and manufacturing bad-faith arguments to avoid its legal obligations under the FCRA. The most telling example of this predatory strategy is your previous, baseless claim that I was not the author of my own dispute letters. 

This accusation was a blatant, fabricated stall tactic designed to create an illegal barrier. That excuse is now completely and utterly demolished by the evidence. I have attached a comprehensive, sworn Identity Theft Affidavit that has been formally notarized. A notarized document is a powerful legal instrument ; a state-appointed notary public has verified my identity beyond doubt and witnessed me sign the document, affirming under penalty of perjury that I am the author of its contents. 

For Equifax to have previously claimed I did not write my disputes, and to now ignore a notarized affidavit that conclusively proves my authorship and the validity of my claims, is proof of a willful, corporate-level policy of obstruction. This is not an administrative error ; it is a deliberate, bad-faith strategy to : Create Illegal Barriers to Disputes : By falsely claiming disputes are not authored by the consumer, Equifax illegally sidesteps its mandatory reinvestigation duties under 15 U.S.C. 1681i.

Cause Harmful and Unnecessary Delay : This tactic forces the victim to waste time, money, and resources to " re-prove '' a fundamental fact, all while the fraudulent data continues to cause reputational and financial harm.

Demonstrate Reckless Disregard for the Law : To dismiss a notarized, sworn statement is to show a conscious and reckless disregard for legal standards and procedures. This behavior is direct evidence of willful non-compliance under the FCRA. 

XXXX. THE IRREFUTABLE EVIDENCE OF IDENTITY THEFT You are in possession of and have deliberately ignored the following legal proof that the data you report is fraudulent : FTC Identity Theft Report # XXXX Police Report # XXXX ( XXXX XXXX XXXX ) XXXX, Notarized Affidavit sworn under penalty of perjury The addresses in XXXX XXXX  XXXX, Texas, are central to the criminal fraud. I have never lived in the state of Texas. The fact that these fraudulent accounts and inquiries are associated with these addresses is definitive proof of their illegitimate nature. Your continued reporting of this data demonstrates a fundamental failure of your verification systems.

4. YOUR WILLFUL AND MALICIOUS FCRA VIOLATIONS Your actions constitute a flagrant and knowing disregard for federal law, violating multiple sections of the FCRA : VIOLATION OF 15 U.S.C. 1681e ( b ) : Your procedures are utterly unreasonable. Reporting over 25 fraudulent items associated with addresses in a state where I have never resided is prima facie evidence of your negligent and broken system.

VIOLATION OF 15 U.S.C. 1681i : Your so-called " reinvestigations '' are a deliberate sham. The legal precedent in Cushman v. Trans Union Corp. establishes that you must conduct a reasonable investigation into my specific claim of identity theft. You have willfully failed to do so.

VIOLATION OF 15 U.S.C. 1681c-2 : Your failure to block all fraudulent information within XXXX business days of receiving my valid FTC Identity Theft Report is a per se willful violation of the law.

5. FINAL DEMAND FOR IMMEDIATE RESOLUTION You have XXXX ( XXXX ) BUSINESS DAYS from receipt of this letter to comply fully with the following demands : IMMEDIATE ACTIONS REQUIRED : PERMANENTLY DELETE every single fraudulent account, inquiry, and address identifier listed in Section XXXX from your entire database, including all archives and backups. 

PROVIDE WRITTEN CONFIRMATION on corporate letterhead, signed by an XXXX, that this expungement is complete. 

NOTIFY ALL THIRD PARTIES that received a report containing any of this fraudulent data in the past XXXX years, providing a formal correction and retraction. 

MONETARY COMPENSATION DEMAND : {$95000.00} This sum is non-negotiable and covers : Statutory Damages : For willful non-compliance ( {$1000.00} per violation ). 

Actual Damages : For severe emotional distress, reputational destruction, and financial harm. 

Punitive Damages : To punish your reckless, malicious, and ongoing corporate misconduct.

6. YOUR CORPORATE CHOICE IS SIMPLE OPTION A : COMPLY AND PAY {$95000.00} Resolve this matter immediately and avoid further liability.

OPTION B : LITIGATE AND LOSE I will immediately file a federal lawsuit for willful non-compliance.

I will seek a jury trial and demand maximum statutory and punitive damages, which will far exceed this demand. 

I will ensure a full investigation by the CFPB and FTC into your business practices. 

The evidence against you is overwhelming. The law is clear. Your violations are documented. The clock starts now.

Company response to consumer: Closed with non-monetary relief