Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Subject : Request for Formal Investigation into CFPB File # XXXX Equifax Retaliation and False Credit Reporting Dear Consumer Financial Protection Bureau , I am writing to formally request a full investigation into CFPB complaint file number XXXX, which I submitted on XX/XX/XXXX, against Equifax. This complaint concerns retaliation, inaccurate credit reporting, and Equifaxs failure to adhere to federal consumer protection laws.

In Equifaxs response to my complaint, they stated the following : We have received your request. However, we are unable to locate a credit file for you for XXXX of the following reasons : You have not applied for credit recently ; You have not actively used your credit in the last XXXX years ; or You have not lived in the United States or have not been issued a United States Social Security number. 

However, this statement is demonstrably false. Attached to my complaint is a credit report clearly showing inaccurate and unverifiable information, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX discounters Also, there are XXXX creditors. 
With no name or contact information listed on my credit report in the amount of {$600.00} and {$1500.00} XXXX dismissal on XX/XX/XXXX File # XXXX XXXX dismissal on XX/XX/XXXX File # XXXX Upon further verification, I contacted the XXXX XXXX XXXX for XXXX, North Carolina, and was informed that their office does not report any court records to credit reporting agencies. Therefore, Equifax can not verify the source of this derogatory information, making its continued reporting a violation of multiple federal statutes, 15 U.S. CXXXXe XXXX ( Fair Debt Collection Practices Act ) 15 U.S. CXXXXe XXXX ( Gramm-Leach-Bliley Act - Privacy Requirements ) FCRA Section XXXX ( c ) XXXX reporting restrictions FCRA Section XXXX ( a ) ( XXXX ) Permissible purpose of credit reports FCRA Section XXXX ( XXXX ) ( XXXX ) Obligation to investigate disputed information FCRA Section XXXX ( a ) ( XXXX ) Duties of furnishers of information Additionally, I want to bring to your attention that I am a human trafficking survivor and a victim of XXXX assault by XXXX officers, listed as XXXX XXXX XXXX in XXXX XXXX, Washington , case # XXXX. Instead of being protected, I experienced systemic retaliation, including from Equifax, who knowingly and improperly published false, damaging information to discredit and intimidate me. 
Such conduct is not only unethicalit reflects a serious breach of federal consumer protection laws and protections afforded to victims of violent crimes and XXXX  under state and federal law. 
I request that the CFPB conduct a full investigation into Equifaxs conduct in this matter and require : Immediate removal of all unverifiable and inaccurate information ; A full explanation from Equifax of how this information was obtained and why it was retained ; A finding on whether this action constitutes retaliation or consumer harm under CFPB jurisdiction. 

Thank you for your attention to this serious matter. I am available to provide further evidence or documentation as needed. 

Sincerely, XXXX XXXX XXXX Complainant CFPB File # XXXX

Company response to consumer: Closed with explanation