Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX CFPB Complaint XXXX XXXX XXXX, XXXX. 
XXXX. Complainant Information Name : XXXX XXXX XXXX Mailing Address : [ Redacted for public filing ] Email : XXXX Phone : ( XXXX ) XXXX Relationship to Account : Primary consumer borrower whose credit was impacted by the trade line reported by XXXX XXXX XXXX, XXXX. ( XXXX XXXX ). 
XXXX. Summary of Complaint This supplemental filing adds new documentary evidence proving that XXXX XXXX knowingly relied on forged and fraudulently altered financing agreements supplied by its XXXX agent, XXXX XXXX XXXX XXXX XXXX XXXX to open and service consumer account No. XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX removed the disputed trade line from my consumer credit reports in XX/XX/XXXX after receiving my XX/XX/XXXX dispute. 
On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinserted the very same trade line * * without providing the legally required FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice * *. 
XXXX XXXX has now falsely represented to the CFPB that the signature is valid and that all documents were properly executed, despite irrefutable forensic proof that my esignature was * * reused without consent * * on at least XXXX separate XXXX envelopes ( IDs XXXX, XXXX, XXXX, XXXX ). 
XXXX. New Evidence Since Initial CFPB Complaint XXXX Forensic Audit Report ( Exhibit A ) On XXXX XX/XX/XXXX I completed a Forensic Audit Report ( attached ) that traces every XXXX event and IP address. Key findings include : All envelopes were created by XXXX internal XXXX  ( XXXX ) and completed in XXXX secondstoo fast for human review. 
The identical XXXX XXXX appears in every envelope, proving XXXX XXXX XXXX reinjected a stored graphic * * rather than requesting a fresh signature. 
No audittrail entry shows a request for updated XXXX consent ; therefore each signature is a legal nullity. 
XXXX XXXX Audit Trails ( Exhibits BE ) Certified XXXX  PDFs for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX clearly show " Signature Adoption : Preselected Style ` and that every signing IP address was controlled by XXXX by the consumer. These logs contradict XXXX XXXX claim that I signed the updated contracts. 
XXXX XXXX XXXX False Investigation Findings In its XXXX XX/XX/XXXX response to CFPB complaint XXXX, XXXX XXXX asserted that all contract modifications were signed by the customer. XXXX XXXX reached this conclusion * * without ever requesting the native audittrail files from XXXX or XXXX * *. The attached forensic evidence proves XXXX XXXX statement was materially false. 
XXXX Improper ReInsertion of Trade Line Equifax report dated XXXX ( not yet attached ; available on request ) shows that the XXXX XXXX trade line reappeared with a balance of * * {$9700.00} * * and utilisation of * * XXXX XXXX * *. No FCRA reinsertion notice was sent within XXXX business days, violating 15U.S.C. 1681i ( a ) ( 5 ) ( B ). 
XXXX. Statutory & Regulatory Violations Fair Credit Reporting Act ( FCRA ) 607 ( b ) ,611 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 5 ) ( B ) reporting information XXXX XXXX knew or should have known was inaccurate ; failure to conduct a reasonable reinvestigation ; unlawful reinsertion. 
Electronic Signatures in Global and National Commerce Act ( XXXX ) 15U.S.C.7001 contracts void when the electronic signature is not the act of the person. 
Truth in Lending Act ( TILA ) /Reg Z extension of credit based on materially altered, nonexistent consent. 
Consumer Financial Protection Act ( UDAAP ) 12U.S.C.5531 unfair and deceptive acts by continuing to collect and report a debt rooted in forged documentation. 
XXXX. Requested Corrective Action XXXX. * * Permanent deletion * * of the trade line from all consumer reporting agencies under FCRA 611. 
XXXX. * * Immediate cessation * * of any collection or billing activity tied to account No. XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX. * * Written confirmation * * from XXXX XXXX describing the specific steps taken to verify signatures and audit trails before rereporting. 
XXXX. Referral for * * civil money penalties * * under CFPA 1055 for knowingly furnishing inaccurate information. 
XXXX. Order XXXX XXXX to implement robust duediligence controls to verify esignature authenticity for all retail partners. 
XXXX. Exhibits Exhibit A Forensic Audit Report dated XXXX XX/XX/XXXX ( Forensic Audit Report.docx ) Exhibit B XXXX XXXX XXXX XXXX XX/XX/XXXX Exhibit C XXXX XXXX XXXX XXXX XX/XX/XXXX Exhibit D XXXX  XXXX XXXX XXXX XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation