Consumer complaint received 2025-01-17 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:
NOTICE OF INTENT TO LITIGATE Date : XX/XX/XXXX To : Equifax This serves as formal notice of my intent to pursue legal action against Equifax for its repeated, willful, and negligent violations of the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) Act, Fair Debt Collection Practices Act ( FDCPA ), and False Claims Act ( FCA ) in connection with its mishandling of the tradeline associated with XXXX XXXX. 

Violations and Noncompliance : 1. Failure to Provide Method of Verification ( FCRA Violations ) : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), Equifax is required to provide the results of a reinvestigation and the method used to verify disputed information. Despite numerous disputes and requests submitted through the Consumer Financial Protection Bureau ( CFPB ) platform, Equifax has failed to provide the legally required documentation for the XXXX XXXX XXXX. 
XXXX. Unauthorized Removal and Re-addition of Tradeline : Equifax improperly removed the XXXX XXXX tradeline without investigation or notice, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and has since re-added the tradeline under my personal information without proper verification, further violating 15 U.S.C. 1681s-2 ( b ).

3. Identity Verification Delays and Abuse : Equifax has a history of willful noncompliance and delays concerning identity verification. In prior disputes, it required excessive correspondence exceeding 30 request for identity verification, far beyond the guidelines and procedures under the FCRA, demonstrating a pattern of obstructing consumer rights.

Be reminded that my identity has already been verified through prior submissions. Any further requests for identity verification, or claims that my credit file can not be accessed using my listed and verified information, would constitute further violations of the FCRA, FTC Act, and False Claims Act.

4. Unlawful Unauthorized Disputes : Equifax has a documented practice of opening unauthorized disputes in lieu of responding to my requests for the Method of Verification. This practice is in direct violation of 15 U.S.C. 1681i and reflects a willful deviation from mandated procedures. I hereby demand that no further disputes be initiated without my explicit authorization. Instead, Equifax must respond directly with the verification documentation or remove the tradeline for lack of verification.

5. Deceptive Practices and Misrepresentation ( FTC Act and FCA Violations ) : Equifaxs failure to comply with statutory procedures, compounded by its lack of transparency and failure to provide legally mandated documentation, constitutes deceptive and unfair practices under Section 5 of the FTC Act ( 15 U.S.C. 45 ). Additionally, any representations that my file can not be accessed despite verified personal information reflect a breach of the False Claims Act and federal consumer protection laws.

Demand for Remedies : To resolve this matter, I demand the following : 1. Immediate provision of the Method of Verification for the removal and re-addition of the XXXX XXXX tradeline as required under 15 U.S.C. 1681i ( a ) ( 7 ).

2. Full disclosure of all investigation and verification documents, including any correspondence with data furnishers, as required under 15 U.S.C. 1681g ( a ) ( 1 ).

3. Cease all unauthorized disputes and ensure no further disputes are initiated in lieu of providing verification documentation or removing unverifiable tradelines.

4. Rectify all inaccuracies on my credit report and ensure compliance with the FCRA, FTC Act, FDCPA, and FCA. 

Demand for Damages : Due to XXXX egregious misrepresentation, willful noncompliance, and deviation from mandated procedures, I am demanding {$50000.00} in damages, as permitted under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ), to address the financial harm, emotional distress, and time expended in resolving this matter.

Legal Precedents and Consequences : Equifax has faced prior liability for similar violations, including : XXXX XXXX XXXX ( XXXX ) : Reinforcing the obligation of credit reporting agencies to follow FCRA procedures to avoid harm to consumers. 
FTC v. Equifax ( XXXX ) : Highlighting Equifaxs failure to protect consumer data and ensure compliance with federal regulations. 
XXXXXXXX XXXX Equifax ( XXXX ) : Addressing Equifaxs negligence in maintaining accurate credit reporting and compliance with the FCRA. 

Equifaxs ongoing violations reflect a pattern of systemic noncompliance that will not be tolerated.

Deadline for Action : If Equifax fails to address these demands and provide a full resolution within 10 business days from the date of this notice, I will proceed with litigation without further warning. This includes seeking damages, injunctive relief, and attorneys fees. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief