Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Todays Date XX/XX/year> DEMAND FOR IMMEDIATE COMPLIANCE Dear Equifax Legal/Compliance Department , This letter constitutes a formal and urgent legal demand for the immediate removal or temporary lift of the Security Freeze or Credit Report Lock currently placed on my Equifax credit file. This is not a standard dispute ; it is a demand to exercise my express rights under the Fair Credit Reporting Act ( FCRA ) and to mitigate substantial, ongoing financial harm. 
The inability of legitimate creditors/potential landlords/etc. to access my credit file due to this active restriction is causing me direct and demonstrable financial damages, including, but not limited to, the repeated denial of applications and the non-refundable loss of application fees. 
The refusal or failure to act immediately is a violation of my rights as a consumer and a breach of your obligations under federal law. 
Relevant Laws and Imminent Violation 1. Fair Credit Reporting Act ( FCRA ) 605C ( c ) ( 1 ) ( A ) ( 15 U.S.C. 1681c1 ) : This section, concerning the proper handling of Security Freezes, mandates that a Consumer Reporting Agency must remove a freeze not later than 1 hour after receiving a request from the consumer through a secure method ( e.g., online or by phone ) or 3 business days if the request is submitted by mail. My request is not a mere inquiry ; it is a verifiable demand and instruction, which you must execute with the utmost urgency to prevent further harm. I am submitting this via certified mail, and it is understood that an electronic or telephonic request may require a shorter timeframe under the law. 
2. Damages Under FCRA 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Your continued maintenance of an access restriction after my clear instruction to lift or remove it, and the resulting financial damages ( wasted application fees, missed opportunities for credit/housing, etc. ), may constitute negligent or willful noncompliance with the FCRA. Such noncompliance subjects your company to liability for : Actual damages ( the wasted application fees ). 
Statutory damages of up to {$1000.00} per violation ( for willful noncompliance ). 
Punitive damages ( for willful noncompliance ). 
Attorney 's fees and costs. 
DEMAND AND ATTACHMENTS I formally demand that Equifax immediately process the removal or temporary lift of the Security Freeze/Lock on my file, effective no later than XX/XX/year> at XXXXXXXX XXXX  CST. This is a critical matter, and I require confirmation of the unlock/removal in writing within the statutory timeframe. 
SEE ATTACHED DOCUMENTS Failure to immediately unlock my file and confirm its removal will be construed as willful noncompliance with the FCRA, and I will be forced to instruct my legal counsel to immediately file a lawsuit against Equifax seeking full financial and statutory damages. 
This is my final notice on this matter before proceeding with litigation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation