Consumer complaint received 2025-04-13 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: NJ

Complaint narrative:
To Whom It May Concern : This is a formal dispute and legal notice regarding fraudulent accounts listed under my credit file with Experian, specifically including, but not limited to, tradelines associated with XXXX ( XXXX ) and XXXX XXXX credit cards. These accounts are the result of identity theft and must be permanently removed from my Experian credit report without delay. Experian has thus far failed to act within the legal parameters set forth by the Fair Credit Reporting Act ( FCRA ), despite my repeated good-faith efforts to comply with identity verification and dispute protocols. 

I was directed by Experian to upload my documentation at www.experian.com/upload as part of their dispute resolution process. However, this link is nonfunctional and leads to an outdated, broken page that falsely claims a technical error is being fixed. This deliberate use of a non-operational upload portal constitutes deceptive business practice, and a willful impediment to a consumers federally protected rights under FCRA. 

I have now filed an identity theft report through the Federal Trade Commission ( FTC ), and my report is attached in full as part of this formal dispute. Under the provisions of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681c-2 ( Section 605B ), once a consumer submits a valid identity theft report, credit reporting agencies are legally obligated to block and remove any information that results from identity theft within four business days of receiving such documentation. Failure to comply with this statutory timeline constitutes a willful violation of federal law.

I have also provided extensive proof of identity and address to eliminate any pretext of delay or dismissal, including a valid U.S. drivers license, U.S. passport, Social Security card, and two recent bank statements. My legal residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as listed on my government-issued ID. My mailing address and the address currently appearing on my credit file and bank records is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Both are legitimate and verifiable addresses associated with me, and my ownership and residence are proven by official documentation included in the uploaded file. 

Experians previous dismissal of my disputes citing lack of identification is categorically false, obstructive, and legally indefensible. You are hereby informed that you may no longer delay this process under any guise. Under FCRA Section 611 ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable investigation within 30 days upon receipt of a dispute. If you claim to have verified this account through XXXX XXXX XXXX XXXX, then under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required by law to provide me with the name, address, and telephone number of each furnisher contacted and a full summary of all documentation used to verify the disputed information. I am entitled to this proof, and a failure to provide it constitutes noncompliance. 

Let it be clearly understood that simply stating an account has been " verified '' without showing actual documentation from the furnishers is not a valid investigationit is a sham and it is illegal. Experian is known for relying on automated e-Oscar dispute systems that conduct no human review and bypass due diligence. This practice is a gross violation of FCRA Section 611 ( a ) ( 1 ) ( A ), which demands that credit reporting agencies conduct a reasonable reinvestigation. A mere parroting of the furnishers unverified claim is not reasonable by any legal standard and will not be accepted. I hereby demand copies of every document, data file, or communication received from XXXX XXXX XXXX XXXXk during the verification process. Any denial of this request will be considered a material breach of FCRA regulations. 

You are also prohibited from exploiting any technical or procedural loophole to delay or dismiss this complaint. You may not claim lack of adequate identification, submission to the wrong portal, unverifiable address, or any other excuse, as I have provided overwhelming proof in the form of my identity documents, address confirmations, and federal identity theft filings. These satisfy all verification standards set by your bureau and by federal law. No loophole may override the fact that the burden of proof now lies with the furnisher and the credit bureau. 

Let it be known that should Experian fail to comply with the statutory timelines or attempt to further obstruct this dispute, I will file suit in small claims court and escalate to federal litigation as needed. I reserve all rights to seek maximum compensatory and punitive damages, including for negligent noncompliance, defamation, and continued injury to my credit profile, financial stability, and reputation. This is not only a legal demand but a declaration of war against continued consumer rights violations and reckless corporate negligence. Your failure to act lawfully and promptly will result in legal consequences. 

This complaint will also be formally submitted to Equifax and TransUnion for reference and simultaneous action. Experian is instructed to immediately and permanently delete the fraudulent XXXX XXXX XXXX XXXX  accounts from my credit report and confirm deletion in writing. The identity theft report and full verification documents are attached in the file XXXX You have been formally notified and are now under legal obligation to comply. Each claim in small claims is XXXX XXXX in XXXX XXXX, I can sue Experian/Equifax/TransUnion up to 5 times per company per 5 claims. You will be sued if you do not comply, this is a formal notification. DO YOUR JOBS.

Company response to consumer: Closed with explanation