Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
CFPB COMPLAINT RESPONSE FCRA VIOLATIONS Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/year> To Whom It May Concern, This formal complaint is in response to the unacceptable and unlawful responses provided by Experian, Equifax, and TransUnion to my repeated disputes and identity theft notices. I have submitted a valid and properly documented FTC Identity Theft Report ( Report # XXXX ), confirming that I am a victim of identity theft. Despite fulfilling all legal requirements under the Fair Credit Reporting Act ( FCRA ), including 15

U.S.C. 1681c-2 ( Section 605B ), you have failed to meet your statutory obligations. I am demanding immediate and permanent removal and blocking of all identity theft-related information, along with the complete investigative records and
legal documentation as outlined below : 1. FRAUDULENT ACCOUNTS TO BE REMOVED PERMANENTLY : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. FRAUDULENT ADDRESSES TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses were fraudulently used and listed without my consent. Continued reporting of this data is unlawful. 



3. LEGAL VIOLATIONS COMMITTED : FCRA 605B 15 U.S.C. 1681c-2 Requires the blocking of identity theft-related information within 4 business days upon receiving a valid identity theft report.

FCRA 1681c ( a ) ( 5 ) Prohibits credit reporting agencies from listing inaccurate or false addresses.

FCRA 1681b ( a ) Information must only be reported with a permissible purpose. I never authorized these entries.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) I am legally entitled to a full method of verification, including : The name, address, and contact info of the furnisher.

Date/time of communication.

A complete description of the investigative procedure.

A copy of the original signed application/contract.

To date, none of this has been provided.

4. DEMAND FOR IMMEDIATE ACTION : You are hereby formally demanded to : Block and permanently delete the fraudulent accounts and addresses listed above.

Provide the original signed contracts for each account listed.

Disclose the full chain of assignment and forward flow agreements between the original creditor and any data furnishers or collection agencies.

Provide complete method of verification with all investigative details.

Failure to comply within 10 days of this notice will result in immediate civil litigation under : 15 U.S.C. 1681n Willful Noncompliance 15 U.S.C. 1681o Negligent Noncompliance You may be held liable for : Statutory damages of {$1000.00} per violation Actual damages Punitive damages Attorney fees and costs This is your final notice before legal action is filed in XXXX  Small Claims Court. Your unlawful and negligent conduct in continuing to report disputed, fraudulent information despite proper notice and legal documentation is unacceptable and actionable under federal law. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX FTC Report # : XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief