Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
U.S.Postal Mail/Registered mail and Email delivery and fax to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Rights Coordinator U.S. Attorneys Office, Public Integrity and Civil Rights Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Treasury Department Fraud Division 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Crimes Enforcement Network ( FinCEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Relevant Agencies, This letter serves as a formal dispute and demand for immediate corrective action regarding the unresolved fraudulent accounts, unauthorized inquiries, and inaccurate information on my credit reports. As a victim of identity theft exacerbated by the XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken all necessary steps to address this matter, including submitting : 1. FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX Police Department Identity Theft Report ( XXXX XXXX XXXX ). 
Despite this, XXXX, Equifax, and XXXX have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related statutes, as outlined below. 

XXXX, Equifax, and XXXX 's actions and inactions constitute severe violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal statutes. Additionally, Experians dispute resolution failures have exacerbated the harm caused by these inaccuracies, as detailed below. 
Systemic violations of federal laws by XXXX and other credit reporting agencies, compounded by identity theft and non-compliance with 15 U.S.C. 1681c-2 ( Section 605B ). These violations have caused severe harm to my financial stability, reputation, and personal well-being. 
Experians intentional misconduct and failure to follow federal regulations, including violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and 26 U.S.C. 6050P tax reporting obligations, must be addressed immediately. This situation also requires criminal investigations by the Consumer Financial Protection Bureau ( CFPB ), Treasury Fraud Division, and Financial Crimes Enforcement Network ( FinCEN ). 
1. Systemic Violations and Federal Law A. Fair Credit Reporting Act ( FCRA ) 1. 15 U.S.C. 1681c-2 ( Section 605B ) : o Failure to block fraudulent accounts within four business days despite receiving all necessary documentation. 
2. 15 U.S.C. 1681i ( a ) : o Agencies failed to conduct reasonable reinvestigations within the required 30-day timeframe as this matter has been ongoing for over 60 days.

3. 15 U.S.C. 1681e ( b ) : o Agencies failed to ensure " maximum possible accuracy '' of reported information.

4. 15 U.S.C. 1681i ( 7 ) : o No clear explanation of the verification process was provided.

5. 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : o Failure to provide clear and intelligible notices of reinvestigation results. 


B. Fair Debt Collection Practices Act ( FDCPA ) 1. 15 U.S.C. 1692e : o Creditors and furnishers provided false or misleading representations about alleged debts.

2. 15 U.S.C. 1692g : o Failure to validate disputed debts upon request.

C. Privacy and Identity Theft Violations 1. Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : o Failure to safeguard personal financial information.

2. Electronic Communications Privacy Act ( 18 U.S.C. 2510 ) : o Unauthorized access to and misuse of personal data, including exposure via XXXX

D. Treasury and Financial Crimes Violations 1. 26 CFR 1.6050P-1 : o Improper issuance of 1099-C forms, falsely suggesting discharged debts.

2. Bank Secrecy Act ( 31 U.S.C. 5311 et seq. ) : o Failure to report fraudulent transactions tied to identity theft, violating anti-money laundering laws. 
________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. Experians Dispute Resolution Failures : o Mischaracterized disputes through inaccurate or overly generic e-OSCAR dispute codes. 
o Ignored consumer-submitted documentation during the Automated Consumer Dispute Verification ( ACDV ) process.

5. Privacy and Data Breach : o Exposure of personal information via XXXX violating federal privacy laws. 
________________________________________ 3. Demands for Immediate Corrective Action I demand the following actions : 1. Block Fraudulent Information : o Remove all fraudulent accounts, inquiries, and inaccurate data per 15 U.S.C. 1681c-2.Provide Written Confirmation : 2. Provide written confirmation that fraudulent items have been removed or blocked, and explain the procedure used to verify disputed information under 15 U.S.C. 1681i ( 7 ). 
3. Correct Reporting to Third Parties : o Notify all entities that accessed my credit report in the past two years of corrected information, as required by law.

4. Investigate Treasury-Related Violations : o Collaborate with the Treasury Fraud Division and FinCEN to investigate fraudulent transactions and potential anti-money laundering violations.

5. Correct Tax Reporting : o Rectify improper 1099-C filings and ensure accurate reporting to the IRS.

6. Provide Debt Validation : o Furnish signed agreements, original contracts, and payment histories for all disputed accounts under 15 U.S.C. 1692g.

________________________________________ 4. Escalation for Non-Compliance Failure to comply with these demands within 4 business days will result in the following actions : 1. Legal Action : o Arbitration or civil litigation under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ).

2. Criminal Referrals : o Referral to the DOJ under 18 U.S.C. 1028 ( identity theft ) and 15 U.S.C. 1681q ( willful misrepresentation ).

________________________________________ 5. Supporting Documentation Enclosed are the following : 1. Copy of Government-Issued Photo ID.

2. Proof of Address ( e.g., Paystub ).

3. FTC Identity Theft Report ( XXXX XXXX. XXXX ). 
XXXX. XXXX XXXX Police Identity Theft Report ( Case No. XXXX ). 
5. Equifax Data Breach Documentation. 
6. Credit Reports Highlighting Fraudulent Items.

7. List of Unauthorized Hard Inquiries.

8. Certificate of Live Birth ________________________________________ Final Notice This letter serves as your final demand to resolve these issues. Non-compliance will result in immediate regulatory, civil, and criminal escalation to protect my rights under federal law. Please direct all correspondence to me at the address or email provided above. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation