Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
Subject : Willful and Ongoing FCRA Violations by XXXXXXXX XXXX XXXX, XXXX, Equifax, and XXXX  Request for Immediate Deletion and Referral to FTC and Florida Attorney General To Whom It May Concern : I am filing this complaint to report willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by XXXXXXXX XXXX XXXX. ( XXXX ) and the three major credit reporting agenciesXXXX, Equifax, and XXXXin connection with materially inaccurate, misleading, and noncompliant reporting of a charged-off account. 

Background and Dispute History Since XX/XX/XXXX, I have submitted multiple disputes to all three credit bureaus regarding XXXX  tradeline, citing the following violations : Re-aging of delinquencies post-charge-off in violation of 623 ( a ) ( 5 ) Reporting late payments after charge-off, misrepresenting payment behavior ( 623 ( a ) ( 1 ) ( A ) ) Failure to reflect dispute status using the required Metro 2 XB code ( 623 ( a ) ( 3 ), 611 ( a ) ( 1 ) ( A ) ) Inconsistent closure and update activity ( 607 ( b ) ) Omission of scheduled monthly payment fields, impairing transparency ( 607 ( b ), Metro 2 ) Despite these disputes, no meaningful reinvestigation or correction has occurred. In XX/XX/XXXX, my legal representative, XXXX XXXX XXXX, issued formal demands for deletion to all three CRAs, citing XXXX failure to comply with Metro 2 and FCRA standards. These demands were ignored. 

In XX/XX/XXXX, I filed a formal complaint with the CFPB against XXXX. Despite this regulatory escalation, XXXX has continued to furnish inaccurate data, and the CRAs have continued to publish itin direct violation of 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ) ( B ), and 623 ( a ) ( 3 ). 

Willful Noncompliance and Legal Precedent The pattern of misconduct here is not isolated. In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX was sued for failing to reasonably investigate credit reporting disputes. In XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXXXXXX XXXX XXXXXXXX ), XXXX was again named in litigation involving systemic FCRA violations, including failure to update tradelines and furnishing conflicting statusesnearly identical to the violations in my case. 

The CRAs are equally complicit. Each has previously settled FCRA claims for similar misconduct : XXXX  : {$60.00} XXXX settlement for inaccurate XXXX matches and failure to correct errors Equifax : {$18.00} XXXX judgment for failing to fix known inaccuracies XXXX  : {$16.00} XXXX settlement for failure to investigate disputes These cases demonstrate that continued publication of known inaccuracies after formal disputes and legal notice constitutes willful noncompliance under 616 and 617 of the FCRA. 

I have attached exhibits of ignored complaints and continuous violations by XXXX and complicities by the Credit Reporting Agencies. The continued failure to correct these violationsdespite over eight months of documented disputes, legal demands, and regulatory complaintsexposes all parties to substantial statutory and actual damages. I reserve all rights to pursue legal action under federal and state law.

Company response to consumer: Closed with explanation