Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington, D.C. XXXX www.consumerfinance.gov/complaint CC : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Against Equifax for Misrepresentation, Unauthorized Use of Personal Data, Fraud, and Violation of Federal Law From : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX To Whom It May Concern : This notice is submitted as a formal complaint and legal demand against Equifax Information Services LLC for engaging in unauthorized and deceptive business practices, including but not limited to : Misrepresentation of facts Bad faith under the Fair Credit Reporting Act ( FCRA ) Fraudulent concealment Unauthorized use of personal data Violation of 15 U.S.C. 1681b and 15 U.S.C. 1681e Failure to obtain written authorization prior to furnishing or selling consumer data Statement of Facts : I've submitted several disputes to Equifax requesting a correction and investigation of inaccurate tradelines being reported under my name. In response, Equifax falsely stated that no credit file could be found under my information, and requested that I submit identity verification documents.

However, Equifax is actively reporting multiple tradelines under my name and Social Security number including but not limited to : XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX This contradiction confirms Equifaxs intent to evade responsibility and mislead federal regulators and the consumer and these accounts is causing me harm More critically, I did not provide written instructions or consent to any of the listed creditors to furnish information about me to Equifax. Furthermore, Equifax never obtained written authorization from me to collect, distribute, or sell my personal information.

Upon my own review, I have reason to believe that my personal identifying information was compromised and fraudulently used by third parties without my consent. This amounts to a data breach and violation of privacy rights under federal law. Equifaxs continued reporting of such accountswithout my written instructions or verified authorizationconstitutes knowing participation in fraudulent activity.

Violations Identified : Equifaxs actions violate multiple sections of federal law, including : 15 U.S.C. 1681b Permissible Purpose : No permissible purpose exists for Equifax to furnish or accept data without my written authorization.

15 U.S.C. 1681e ( a ) & ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681g Right to disclosure of all data in consumer file.

15 U.S.C. 1681n & 1681o Willful and negligent noncompliance with the FCRA, subjecting Equifax to civil liability.

Data privacy and identity theft statutes under applicable state and federal laws.

Relief and Legal Action : Due to the ongoing harm, emotional distress, and financial damage caused by this negligence and fraud, I am : 1. Demanding immediate removal of all unauthorized accounts that lack my written authorization or that were opened as a result of data compromise.

2. Demanding a full data file disclosure under 15 U.S.C. 1681g, including all parties who have accessed or purchased my information.

3. Placing Equifax on notice that this matter will be pursued in federal court.

4. Attaching a copy of my federal lawsuit, which holds Equifax liable for civil and punitive damages.

5. Reserving all rights to seek injunctive and monetary relief in accordance with federal statutes and rules of civil procedure.

-- - Conclusion : Equifax has acted in bad faith, deliberately concealed material facts, and misrepresented the existence of my file while continuing to sell and distribute my information without consent. These acts are not only unethical but actionable violations of federal law.

Equifax is hereby notified that any further attempts to delay or obscure the truth will result in escalated legal consequences, including the pursuit of maximum statutory and punitive damages under federal law.

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX [ Insert email or phone if applicable ] -- - Attachments : 1. Copy of Equifax letter denying the existence of a credit file 2. Screenshot showing active tradelines reported on myEquifax.com 3. federal lawsuit ( See attached ) 4. Prior dispute documentation 5. Identity theft statement ( if applicable )

Company response to consumer: Closed with non-monetary relief