Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint, Intent to Sue, and Demand for Damages under FCRA 1681n & 1681o To Whom It May Concern, This letter serves as a formal complaint, dispute of inaccurate credit reporting, and notice of intent to pursue civil damages under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681n, and 1681o. 

I am concerned that your credit bureau has reported inaccurate, incomplete, and unverifiable information in my consumer report and that you have failed to maintain reasonable procedures to assure the maximum possible accuracy of my credit information as required by federal law. 

The following items are disputed and must be reinvestigated and permanently deleted unless you can provide verifiable proof, such as the original signed agreement or contract bearing my signature. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$900.00} ) XXXX XXXX XXXX ( {$490.00} ) XXXX XXXX XXXX ( {$470.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Proof I hereby request copies of all contracts, notes, and documents that verify I lawfully authorized and am responsible for the above accounts. 
If you can not produce this evidence within the time allowed by law, the disputed items must be deleted immediately from my credit file. 

Please also send an updated and corrected version of my credit report to all creditors or other entities that have accessed my report within the past six months ( or two years for employment-related purposes ). 

In addition, provide the name, address, and phone number of each creditor or furnisher associated with the disputed accounts.

Legal Notice and Intent to Sue If your agency fails to comply with FCRA 611 ( 15 U.S.C. 1681i ) by completing a reasonable reinvestigation within 30 days, I will proceed with a civil claim for willful and negligent noncompliance under 1681n and 1681o.

Be advised that your failure to comply will result in my seeking statutory damages in the amount of {$10000.00}, along with punitive damages, attorneys fees, and all other relief permitted by law.

Additionally, per 1681i ( a ) ( 6 ) ( B ) ( iii ), please provide a detailed description of the procedure used to verify each disputed item within 15 days after the completion of your investigation.

Conclusion This letter serves as a good-faith effort to resolve these inaccuracies amicably and ensure compliance with federal credit reporting law. I expect full compliance within the statutory time frame. Failure to comply will leave me no choice but to take immediate legal action to protect my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation