Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE ACCOUNTS EQUIFAXS ONGOING FCRA VIOLATIONS AND SYSTEMIC NEGLIGENCE To Whom It May Concern, I am writing to formally demand the immediate deletion of the following inaccurate, unverifiable, and unauthorized accounts that Equifax has recklessly and unlawfully continued to report, despite multiple disputes, clear evidence, and the fact that XXXX has already removed these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifaxs pattern of negligence, willful noncompliance, and blatant disregard for federal law is not only a violation of my consumer rights but a clear demonstration of why Equifax remains under regulatory scrutiny. I will no longer tolerate these ongoing abuses EQUIFAXS UNLAWFUL FAILURES AND SYSTEMIC NEGLIGENCE 1. Failure to Conduct a Good-Faith Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The Fair Credit Reporting Act ( FCRA ) mandates that when a consumer disputes information, the credit reporting agency must conduct a reasonable and thorough reinvestigation.

I filed three separate disputes regarding these accounts, yet Equifax recklessly verified them within mere days, making it clear that no meaningful investigation was performed. 
Dispute Timelines : Dispute # XXXX ( XX/XX/XXXX XX/XX/XXXX ) CLOSED IN 10 DAYS Dispute # XXXX ( XX/XX/XXXX XX/XX/XXXX ) CLOSED IN 3 DAYS Dispute # XXXX ( XX/XX/XXXX XX/XX/XXXX ) CLOSED IN 2 DAYS It is impossible for a genuine investigation to be completed in such an absurdly short timeframe, particularly when the accounts in question have already been proven inaccurate by another major credit bureau ( XXXX ). 

This is a textbook example of Equifaxs sham investigation tactics, violating the FCRA and demonstrating clear willful noncompliance.

2. Failure to Consider Consumer-Provided Evidence ( 15 U.S.C. 1681i ( a ) ( 4 ) ) Under the FCRA, Equifax must review and consider all relevant evidence provided by the consumer. Yet, despite my submission of : Credit Karma report confirming XXXX has already deleted these accounts, Documentation proving the accounts are unauthorized and inaccurate, Multiple dispute letters detailing irregularities and inconsistencies, Equifax completely ignored this critical evidence, failing to conduct even a basic level of due diligence in verifying the accuracy of its reporting. 

3. Failure to Delete Inaccurate and Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) The law is crystal clear : if an account is inaccurate or can not be verified, it must be deleted. 
The CFPBs XXXX Consent Order against Equifax highlights a pattern of systemic failures in handling disputes, reinforcing that Equifax has longstanding issues with accuracy, verification, and compliance. 
Given that XXXX has already deleted these accounts, there is zero justification for Equifaxs continued reportingexcept sheer incompetence or willful defiance of federal law.

4. Failure to Provide Timely Dispute Notifications ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA requires Equifax to notify me in writing about the status of my dispute within five business days. However : I NEVER received any written notice regarding my disputes. 
Equifax has repeatedly failed to send required notices, denying me the ability to properly monitor its dispute process.

This failure constitutes yet another clear violation of federal law and further demonstrates Equifaxs complete disregard for consumer rights.

EQUIFAXS HISTORY OF MISCONDUCT CFPB CONSENT ORDER AS LEVERAGE The CFPBs XXXX Consent Order against Equifax confirms that Equifax has been caught engaging in widespread violations, including : Failure to properly investigate disputes, Failure to maintain accurate consumer files, Failure to provide timely responses, Failure to comply with federal regulations governing credit reporting accuracy. 

This means that my experience is not an isolated incidentit is part of a long-standing pattern of misconduct that has already drawn regulatory penalties against Equifax. 

Equifax is currently under heightened CFPB scrutiny, making it imperative that it immediately correct its violations in my case or risk further regulatory action. 



LEGAL CONSEQUENCES IF EQUIFAX FAILS TO COMPLY Equifax is already exposed to severe financial and legal penalties due to its continued noncompliance with the FCRA. If Equifax fails to remove these accounts immediately, I will escalate this matter through every available legal and regulatory channel, seeking : 1. Statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n for Equifaxs willful noncompliance with the FCRA.

2. Actual damages and punitive damages for the financial harm, emotional distress, and lost credit opportunities caused by Equifaxs negligence.

3. Attorney fees and court costs, as I am prepared to engage legal counsel if necessary.

4. Formal complaints filed with the CFPB, FTC, and my State Attorney General, bringing further regulatory scrutiny on Equifaxs misconduct.

Given Equifaxs history of multi-million dollar fines for similar violations, I am fully prepared to escalate this matter if corrective action is not taken immediately. 


Also I am filing this formal complaint against Equifax for committing blatant, egregious, and legally indefensible violations of the Fair Credit Reporting Act ( FCRA ). Your reckless mishandling of my credit report has caused severe financial harm, irreparable damage to my creditworthiness, and emotional distress. This letter serves as an official demand for immediate corrective action, failing which I will pursue legal action to the fullest extent of the law for damages, including statutory, actual, and punitive damages. 

1. Unauthorized and Fraudulent Disputes on Positive Accounts Equifax fraudulently tampered with my credit report by disputing and ultimately deleting my positive, longstanding accounts without my authorization or consent. These were perfectly maintained accounts that reflected my financial responsibility, yet Equifax unilaterally altered my credit history, thereby grossly misrepresenting my creditworthiness. The impacted accounts include : XXXX XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Ending in XXXX I never disputed these accounts. They were valuable to my credit history and demonstrated responsible credit usage. Equifaxs reckless deletion of these accounts has artificially lowered my credit score and presented an entirely false portrayal of my creditworthiness. This is fraud and a willful violation of my rights under federal law. 

2. Failure to Remove Unauthorized Negative Accounts In contrast, Equifax failed to properly investigate and remove the accounts that I actually disputed, demonstrating utter incompetence and bad faith. The accounts I properly disputed include : XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX Account Ending in XXXX XXXXXXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX Account Ending in XXXX Despite clear evidence that these accounts were not mine or were incorrectly reported, Equifax ignored federal law and refused to remove them. Instead, Equifax allowed these inaccurate accounts to remain, further tarnishing my credit profile.

3. Gross Negligence and Misconduct by Equifax Representative XXXX ( Supervisor, Customer Care, ID : XXXX ) On XX/XX/XXXX, I spoke with XXXX, a supervisor in Equifaxs Customer Care department, to address these unauthorized disputes and blatant reporting errors. His conduct was nothing short of willful misconduct, negligence, and an outright refusal to follow federal law. Specifically : He refused to acknowledge Equifaxs unlawful disputes on my positive accounts.

He ignored my legally protected right to request corrections.

He dismissed my concerns and left my credit report in a fraudulently manipulated state.

This is a direct violation of : 1. 15 U.S.C. 1681i Mandating a reasonable investigation of disputes.

2. 15 U.S.C. 1681e ( b ) Requiring Equifax to maintain maximum possible accuracy in reporting.

3. 15 U.S.C. 1681s-2 ( a ) ( 8 ) Obligating Equifax to correct fraudulent disputes upon notice.

Juans deliberate failure to act makes Equifax fully liable for damages caused by these violations.

4. Severe Legal and Financial Consequences for Equifaxs Violations Equifaxs unlawful actions have caused significant financial harm by distorting my creditworthiness, which may result in : Higher interest rates on loans Denial of credit opportunities Damage to my reputation and financial standing As a direct consequence of Equifaxs fraud, I will be seeking the maximum legal penalties allowed under federal law, including : 1. Statutory damages of {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).

2. Punitive damages for Equifaxs willful, knowing, and repeated noncompliance with the FCRA. 
3. Actual damages for the financial and emotional harm inflicted.

4. Attorneys fees and all associated legal costs.

5. Immediate Demands for Resolution To avoid immediate legal action, I demand that Equifax correct these fraudulent actions within 30 days by : 1. Restoring my positive XXXX XXXX accounts to my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX  Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX in XXXX XXXX. Removing the following unauthorized negative accounts : XXXX XXXX Account Ending in XXXX XXXXXXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX Account Ending in XXXX XXXX. Providing written confirmation of these corrections within 30 days. 

Failure to comply with this demand will result in an immediate lawsuit against Equifax. 

Final Warning : I Will Pursue Full Legal Action If This Is Not Resolved Equifax has displayed a pattern of fraudulent activity, reckless disregard for federal law, and deliberate attempts to misrepresent my creditworthiness. If Equifax does not fully restore my positive accounts and remove the fraudulent negative accounts, I will be filing a federal lawsuit for FCRA violations, seeking : Maximum statutory and punitive damages A court order forcing Equifax to correct these errors Full reimbursement of attorneys fees and legal costs This will not go unanswered. Equifax is not above the law, and I will pursue justice through all available legal channels. 

You have 30 days to comply. Failure to act will result in legal consequences at your expense.

Company response to consumer: Closed with explanation