Consumer complaint received 2026-03-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX SSN ( Last XXXX ) XXXX XXXX XX/XX/XXXX Date XX/XX/XXXX Re : Final Notice Failure to Comply with FCRA / Identity Theft Reporting To Whom It May Concern, This letter serves as a formal notice of non-compliance regarding the continued reporting of the following accounts, which have been previously disputed multiple times as the result of identity theft : XXXX. UPGRADE INC Account # XXXX XXXX. XXXX OF XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have already submitted : An FTC Identity Theft Affidavit Prior written disputes demanding deletion A Method of Verification request Direct disputes to the furnishers under FCRA XXXX Despite this, you continue to report these accounts without providing legally sufficient verification and without complying with the identity theft provisions of federal law. LEGAL BASIS Under XXXX XXXX. XXXX ( FCRA Section XXXX ), when a consumer submits an identity theft report, the credit reporting agency is required to : 1. Block the reporting of the fraudulent information XXXX. Do so within XXXX business days XXXX. Notify the furnisher XXXX. Cease reporting unless they can prove the information is accurate and not identity theft You have failed to comply. Additionally : Under FCRA XXXX ( a ) ( XXXX ) you are required to provide the actual method of verification used. A generic statement such as verified with creditor is not legally sufficient. Under FCRA XXXX ( b ) furnishers must conduct a reasonable investigation when notified of a dispute. Continued reporting without lawful verification constitutes negligent and/or willful noncompliance under FCRA XXXX and XXXX, exposing your organization to civil liability. FORMAL DEMAND You are hereby given a final opportunity to : XXXX. Immediately delete the above referenced accounts from my credit file XXXX. Provide written confirmation of deletion XXXX. Provide the complete method of verification including : Name of person contacted Date of contact Address or system used Description of documents reviewed If you are unable to produce original, signed, unaltered contractual documentation bearing my signature proving I authorized these accounts, continued reporting will be interpreted as willful noncompliance. NOTICE OF INTENT Failure to correct this matter within 15 days of receipt will leave me no option but to pursue remedies available under federal law, including : Filing formal complaints with the Consumer Financial Protection Bureau State Attorney General complaint Federal Trade Commission complaint Pursuit of civil remedies under FCRA XXXX I prefer to resolve this amicably and without escalation. However, I will not allow inaccurate, fraudulent data to remain on my consumer file. This is your final opportunity to correct this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation