Consumer complaint received 2025-08-01 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:
This letter serves as formal notice of my intent to initiate legal action against Equifax Information Services, LLC for your repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ) regarding a fraudulent account reported under my name.

Fraudulent Account Information Creditor : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX FTC Identity Theft Report : # XXXX Total Amount : {$4700.00} Timeline of Dispute Attempts XXXX. XX/XX/year> Initial dispute and documentation sent to Equifax CFPB Complaint # : XXXX XXXX. XX/XX/year> FTC Identity Theft Report submitted Report # : # XXXX XXXX. XX/XX/year> Second formal demand sent CFPB Complaint # : XXXX XXXX. XX/XX/year> Third dispute escalated CFPB Complaint # : XXXX Despite my provision of all legally required documentationincluding a valid FTC Identity Theft Report, supporting affidavit, and detailed personal statementEquifax has refused to delete this account, in direct and knowing violation of the law. 
Violations of Federal Law Equifax is currently in violation of the following statutes : 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Requires deletion of identity theft-related data within 4 business days of receiving a valid report. Equifax has failed to do so.

2. FCRA 611 ( 15 U.S.C. 1681i ) Requires credit bureaus to conduct a reasonable reinvestigation and delete unverifiable or fraudulent data within 30 days. This has not been fulfilled.

3. FCRA 607 ( b ) Requires maximum possible accuracy of all consumer report data. Your continued reporting of this known fraudulent account violates this section.

4. FCRA 623 ( a ) ( 6 ) ( B ) Furnishers and CRAs must not report fraudulent information after being notified. XXXX XXXX has been flagged, and you remain complicit by continuing to publish false data. 
5. FACTA Red Flags Rule ( 16 CFR 681.2 ) Requires identification and resolution of identity theft indicators. My FTC complaint and dispute history meet these red flag thresholds, which you have ignored.

6. FCRA 1681n & 1681o Equifax is now exposed to civil liability for both willful and negligent noncompliance, including actual, statutory, and punitive damages as well as legal fees. 
Summary of Material Harms Your ongoing publication of fraudulent information has resulted in : Repeated denial of credit and financial hardship Emotional distress Reputational damage Interference with my right to a fair and accurate consumer report Demand Before Legal Action I hereby demand the following actions within 10 calendar days from the date of this notice : 1. Permanent deletion of the XXXX XXXX XXXXXXXX account from my Equifax XXXX XXXX XXXX. A written statement confirming deletion XXXX. A reissued credit report showing this correction XXXX. Notice of correction sent to all third parties who accessed my credit report within the last 6 months under XXXX XXXX. XXXX ( d ) Notice of Lawsuit If I do not receive a satisfactory response within 10 days, I will proceed with filing a lawsuit in Virginia XXXX and XXXX XXXX for violations of : FCRA XXXX, XXXX, XXXX ( b ), and XXXX FACTA Red Flags Rule Civil damages under XXXX XXXX. XXXX and XXXX This lawsuit will seek : Statutory damages Actual damages Punitive damages XXXX costs and attorneys fees This is your final opportunity to comply before legal proceedings commence.

Company response to consumer: Closed with explanation