Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing this formal complaint against Equifax for its ongoing willful violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 609 ( a ) and 611, and for failure to respond to lawful affidavits and notices sent via USPS Certified Mail with tracking and return receipt.

For over two years, Equifax has reported derogatory, harmful credit entries in my file without ever providing documentary proof of verification as required by 15 U.S.C. 1681g and 1681i. I have repeatedly requested verification under FCRA Section 609 ( a ), including a copy of the original instrument bearing my signature that created any alleged debt. Instead of complying, Equifax continues to send automated responses stating the information was verified, yet refuses to disclose any actual verification data or documents, which is a direct violation of the law and my rights. 

Further, I issued an Affidavit of Default on XX/XX/XXXX ( Certified Mail # XXXX ) and again on XX/XX/XXXX ( Certified Mail # XXXX ). Equifax has failed to respond, triggering default under the Uniform Commercial Code and common law principles of estoppel and acquiescence. This continued failure has caused material harm : Ive been denied housing, credit, and opportunity, resulting in homelessness and poverty. 

I demand that Equifax immediately remove the following unverifiable and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX along with all unauthorized hard inquiries.

If not resolved within 5 days, I will pursue a {>= $1,000,000} commercial lien and report this matter to CFPB, FTC, and state authorities. 

Furthermore, I am a class member in the data breach lawsuit " XXXX XXXX XXXX  XXXX, '' which confirms that my identity has been compromised and misused. I will attach a copy of documentation related to that case as proof. 

Attached to this complaint are the following documents : 1. Proof of inclusion in the TransUnion data breach settlement ( XXXX XXXX XXXX XXXXXXXX ) 2. Copy of my valid government-issued ID 3. Copy of a recent utility bill 4. Proof of my current address 5. XXXXXXXX XXXX XXXX XXXX  class action lawsuit settlement 6. FTC Fraud and Identity theft reports 7. Chronology of communication history with Equifax I ask for urgent intervention by your office to compel Equifax to comply with federal law and correct the fraudulent data they continue to publish. 


ADDITIONAL FACTS AND FINAL DEMANDS Equifax has also provided written documentation titled " Remedying the Effects of Identity Theft, '' in which it clearly states : 1. Under point # 3 : I have the right to obtain documents relating to any fraudulent transactions made or accounts opened using my personal information. Despite over two years of repeated requests, Equifax has failed to provide any such documents in violation of its own policies and federal law. 

2. Under point # 5 : If I believe information in my file results from identity theft, I have the right to request that Equifax block the disputed information. I have done so repeatedly, including providing an FTC Affidavit of Identity Theft and documentation related to the XXXX data breach  ( XXXX XXXX XXXX XXXX ), yet Equifax sent me a letter dated XX/XX/XXXX, explicitly refusing to block the disputed accounts. This refusal constitutes a willful violation of the FCRA. 

Accordingly, I demand {$50000.00} in damages per disputed account for the resulting significant and ongoing financial harm, including housing denials, lost income, and emotional distress. The following accounts and items must be immediately removed from my credit file and compensation paid : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - SELF XXXX XXXX - XXXX XXXX XXXX - All Unauthorized Hard Inquiries DUE IMMEDIATELY, COMPENSATION OF {$250000.00} MUST BE PAID WITHIN 5 BUSINESS DAYS OR A LIEN WILL BE FILED AGAINST EQUIFAX FOR {>= $1,000,000}

Company response to consumer: Closed with explanation