Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
Re : Formal Complaint Pursuant to the Fair Credit Reporting Act ( FCRA ) Inadequate Settlement, Inaccurate Credit Reporting, and Failure to Investigate Disputes To Whom It May Concern, I am writing to lodge a formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., with regard to Equifaxs ongoing failure to maintain accurate and complete information in my consumer credit file, and its failure to conduct reasonable investigations into my prior disputes. 

As a data breach victim in the XXXX Equifax cybersecurity incident, my personally identifiable information ( PII ) was compromised due to your organizations negligence. In the years since, I have experienced persistent inaccuracies and omissions in my Equifax credit report, many of which I have disputed multiple times without adequate resolution. These errors remain uncorrected or are repeatedly reinserted into my credit file in violation of 15 U.S.C. 1681i ( a ) and 1681c-2, which govern reinsertion of previously deleted information and the obligation to block identity theft-related data. 

I am in receipt of a settlement check in the amount of {$17.00}, issued in connection with the class action arising from the breach. I find this amount to be grossly disproportionate to the financial, reputational, and emotional harm I have suffered due to Equifaxs misconduct. 

Moreover, I reference the XX/XX/XXXX enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ), which found that Equifax engaged in widespread noncompliance with the FCRA, including : Failing to reasonably investigate consumer disputes in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; Ignoring or failing to consider supporting documentation submitted by consumers ; Re-inserting previously deleted erroneous information without following proper notice and certification procedures ( 1681i ( a ) ( 5 ) ( B ) ) ; Sharing inaccurate credit scores and duplicating tradelines due to flawed internal systems ; Continuing to report data stemming from identity theft, contrary to 1681c-2 ( a ). 

These practices have materially harmed my creditworthiness and impaired my ability to obtain credit and housing. I have expended substantial time and resources attempting to remedy these inaccuracies and protect myself from further harm, without receiving any meaningful redress or correction from Equifax. 

Accordingly, I am demanding the following : Immediate re-investigation of my consumer file in accordance with 15 U.S.C. 1681i, including full consideration of all previously submitted documentation ; A written explanation outlining the specific steps Equifax is taking to comply with the CFPBs XX/XX/XXXX enforcement order, and how such steps will apply to my credit file and ongoing disputes ; A re-evaluation of monetary compensation, as the amount provided is inadequate and does not reflect the ongoing damages and distress I have endured due to your organizations violations of federal law. 

Please consider this letter a formal written dispute and request for correction under the Fair Credit Reporting Act. Failure to comply with these statutory obligations may result in further legal action and formal complaints to the CFPB, the Federal Trade Commission, and other regulatory bodies. 

I respectfully request acknowledgment of receipt of this correspondence, and a response addressing the above within 30 days, as required under 1681i ( a ) ( 1 ) ( A ).

Sincerely,

Company response to consumer: Closed with explanation