Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Formal Notice of Consumer Rights Violations and Intent to Initiate Pre-Arbitration To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally address and document ongoing and repeated violations of my consumer rights by XXXX XXXX XXXX, as well as the failure of the Consumer Financial Protection Bureau ( CFPB ) to conduct a proper and transparent investigation into my submitted complaints. 

This is not a duplicate of any previous dispute submitted to XXXX. While XXXX has claimed that my concerns have already been addressed, I formally disagree with that assertion. At no point has XXXX disclosed how the alleged account was verified, nor who was responsible for that validation. This lack of transparency is unacceptable and fails to meet the standard of lawful and fair consumer reporting and debt collection practices. 

Furthermore, in the case of XXXX XXXX XXXX XXXX XXXX XXXX the court ruled that XXXX did not demonstrate proper ownership of the debt and failed to meet the evidentiary standard necessary to maintain collection or reporting activities. This legal precedent supports my position and highlights the importance of substantiating any alleged debt before continuing adverse credit or collection actions. 

The CFPB has closed prior complaints without offering a clear explanation as to how conclusions were reached or what investigative procedures were followed. This lack of transparency raises serious concerns about procedural fairness and regulatory accountability. 

In the meantime, I have experienced significant harm, including denial of credit and loans, emotional distress, XXXX, and social XXXX  as a direct result of this unresolved matter. The ongoing reporting and collection activity is false, harmful, and unlawful. 

I am demanding that both the CFPB and XXXX provide, within XXXX ( XXXX ) days of this notice, the specific evidence used to verify the alleged account, including the identity of the party that validated it and the method used. Failure to respond or comply will result in my initiation of pre-arbitration proceedings, and I will pursue damages in the amount of {$10000.00} for each violation and occurrence, as provided under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and any other applicable state or federal law. 

Additionally, I am demanding the permanent deletion of all accounts reported or collected by XXXX that are inaccurate, unverifiable, or improperly validated. Continued reporting of these disputed accounts constitutes willful noncompliance with consumer protection statutes and will be included in any forthcoming legal actions. 


This communication serves as a formal notice and final demand for compliance and resolution before further legal actions are initiated. 
Sincerely, 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

Company response to consumer: Closed with non-monetary relief