Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
They blatantly said that They would not remove anything using false investigative practice ; With no substantive proof of purchase agreements ; wet ink signatures to validate and verify a debt, improper reporting in which I gave no permissible purpose ; Identity Theft ; in which they violated the following laws and statutes : Subject : Second Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, This letter serves as my second formal dispute regarding the inaccurate and misleading information contained in my credit report, as well as Experians continued failure to comply with federal consumer protection laws. Despite my initial dispute letter dated [ insert date of first letter ], Experian has either failed to respond adequately or has conducted an insufficient investigation, further violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Your companys failure to address my dispute in a timely and lawful manner is unacceptable and demonstrates a pattern of negligence that has been highlighted by the Consumer Financial Protection Bureau ( CFPB ) in its enforcement actions against Experian. I am now prepared to escalate this matter further if Experian does not immediately rectify these issues.

Remove all unverified and un validated debts in which they do not have the purchase agreement and/or a wet ink signature of an actual contract ( original and not a copy ) prove that there is a debt and not simply an account Below, I reiterate the federal laws under **15 U.S.C. ** that Experian is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section prohibits the inclusion of outdated and inaccurate information in consumer credit reports. Experians failure to remove or correct such information continues to harm my creditworthiness.

2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians inadequate investigation of my dispute demonstrates a blatant disregard for this legal obligation.

3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Experians failure to properly investigate my dispute is a clear violation of this law.

XXXX XXXX XXXX **Demands** I demand that Experian ; Trans Union and Equifax 1 . Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham or inadequate investigations. 

XXXX XXXX XXXX  **Notice of Intent to Escalate** If Experian fails to comply with these demands within **15 days** of receiving this letter, I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue legal action against Experian for violations of the FCRA, including seeking statutory damages, actual damages, and attorneys fees.

3. Report Experians, Trans Union and Equifax 's noncompliance to relevant state and federal regulatory agencies. 

This is your final opportunity to resolve this matter before I escalate it further. I expect Experian Trans Union and Equifax to uphold its legal obligations and protect my rights as a consumer.

Sincerely,

Company response to consumer: Closed with explanation