Consumer complaint received 2025-04-02 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested To : 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  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Cc : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Office of the State Attorney General RE : FINAL NOTICE IMMEDIATE LEGAL ACTION PENDING FOR WILLFUL VIOLATIONS OF THE FCRA, FDCPA, AND MULTIPLE FEDERAL LAWS To the Entire Executive and Legal Leadership of Equifax : You are now officially placed on final legal notice. Your persistent refusal to correct fraudulent, inaccurate, and harmful data on my credit report has escalated beyond gross negligence. It is now willful misconductand it will be addressed in federal court. 

Your systemic indifference to federal law has destroyed my financial stability, denied me housing and credit, and inflicted severe emotional and financial damages. Youve ignored my lawful demands and documentation, and now I will hold you personally and professionally accountablein court and under the full scrutiny of federal regulators.

If Equifax fails to comply with this letters demands within FOUR ( 4 ) BUSINESS DAYS, I will initiate legal action and pursue every available remedy under federal law, including damages, regulatory complaints, and public exposure of your misconduct. 



EQUFAXS VIOLATIONS YOU ARE LEGALLY ACCOUNTABLE : 1. 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy. Equifax continues to report patently false and unverifiable information, violating your core statutory obligations.

2. 15 U.S.C. 1681i ( a ) Refusal to investigate disputes in good faith. You failed to reinvestigate despite multiple formal disputes, in blatant violation of the FCRA.

3. 15 U.S.C. 1681c-2 ( Section 605B ) Failure to block fraudulent data after identity theft report. I provided all legally required documentation. You ignored it.

4. 15 U.S.C. 1681b Reporting unauthorized inquiries. Multiple inquiries on my file are fraudulent and have not been removed. 
5. Fair Debt Collection Practices Act ( FDCPA ) Enabling the continued reporting of invalid and unverified debts. This is unlawful and predatory.

6. Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( A ) Unfair, deceptive, and abusive acts. Your ongoing behavior is a textbook example of what the CFPA prohibits.

7. Section 5 of the FTC Act Unfair and deceptive commercial practices. You have failed to safeguard personal information and repeatedly misled consumers.

YOUR DOCUMENTED HISTORY OF FAILURE : Equifax Data Breach ( XXXX ) : You exposed over 147 million consumers. You were fined {$700.00} millionyet youve learned nothing. 
XXXX v. Equifax ( XXXX ) : Proven failure to resolve consumer disputes. You were held liable. 
Current CFPB Oversight : You are still under investigation for failing to correct false reporting and mishandling disputes. 

These past violations will be used as supporting evidence in my case to prove pattern and intent. 



YOU ARE HEREBY DEMANDED TO COMPLY WITH THE FOLLOWING, IMMEDIATELY : 1. Remove all fraudulent, inaccurate, unverifiable, and disputed accounts.

2. Delete all unauthorized inquiries.

3. Cease and desist from further reporting of all disputed items.

4. Mail a written confirmation with a full explanation of actions taken. No automated or electronic responses will be accepted.

I am again enclosing my : Valid government-issued ID Social Security card Utility bill Any further identity verification requests will be considered an obstruction tactic and will be cited in litigation. 



FRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : 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  Reinserted without consent or notice LEGAL CONSEQUENCES IF IGNORED : If Equifax XXXX to resolve this matter by XX/XX/XXXX, I will immediately file suit and seek : Statutory damages under 15 U.S.C. 1681n Actual damages under 15 U.S.C. 1681o Punitive damages for willful misconduct Injunctive relief and discovery motions All attorneys fees and court costs Regulatory action through the CFPB and FTC Your continued noncompliance will also be used as evidence of a systemic pattern of consumer abusea pattern I intend to expose in court and through the media if necessary. 



FINAL WARNING You have operated with impunity for far too long. You are now being confronted by a consumer who understands their rights, their legal standing, and the federal remedies available. I will not be ignored, delayed, or manipulated. 

Correct this immediatelyor prepare to defend your actions in federal court. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : * -- XXXX | XXXX : XX/XX/XXXX Enclosures : Drivers License Social Security Card Utility Bill Prior Dispute Records Legal Citations

Company response to consumer: Closed with non-monetary relief