Consumer complaint received 2025-04-16 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. XXXX. XXXX XXXX XXXX XXXX Bank, XXXX, XXXX XXXX XXXX. LEXIS XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in XXXX. XXXX XXXX Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. XXXX. CFPB XXXX XXXX against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. These precedents highlight the legal risks of noncompliance with FCRA obligations. Disputed Account : Pursuant to FCRA XXXX ( a ), I request a prompt reinvestigation of the following : XXXX XXXX * * * * If you can not verify the accuracy of this information with legally admissible proof, you are required under FCRA 611 ( a ) ( 5 ) to delete or correct the erroneous data immediately.

If you can not substantiate the data with verifiable documentation, you are required under FCRA 611 ( a ) ( 5 ) to delete or correct the information.

Notice of Intent to Pursue Legal Action If you fail to comply within 30 days, I will file formal complaints with the CFPB, FTC, state Attorney General, and may pursue legal action under FCRA 617. Statutory damages of up to {$1000.00} per violation, along with punitive damages, attorney fees, and costs, will be sought for willful noncompliance. 

You are required by law to respond within 30 days. Send all correspondence to my address above. Failure to comply will result in further legal action.

Company response to consumer: Closed with non-monetary relief