Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12951454
Complaint Overview
Complaint ID: 12951454
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Pennsylvania
ZIP Code: 18103
Date Received: 2025-04-11T12:00:00-05:00
Date Sent to Company: 2025-04-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX XX/XX/year> REBUTTAL TO COMPANY RESPONSE DEMAND FOR DELETION DUE TO FCRA VIOLATIONS, DELAYED INVESTIGATION, AND DATA BREACH LIABILITY To Whom It May Concern, This is a formal and final rebuttal to Equifaxs response XXXX XX/XX/scrub>XXXX XXXX XXXX, regarding my original dispute sent on XXXX XXXX XXXX, and my written follow-up demand sent on XXXX XXXX XXXX. Equifax has willfully failed to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) and is now being placed on legal notice. TIMELINE OF VIOLATION : Dispute submitted : XXXX XXXX XXXX Follow-up demand sent : XXXX XXXX XXXX Equifax response received : XXXX XXXX XXXX This response came more than XXXX days after the original dispute and 43 days after my written reminder. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax was required to complete the reinvestigation within 30 days, and it failed to do so. ACCOUNTS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} These accounts contain inaccurate, unverifiable, or outdated negative information, and must be permanently removed based on the failure to comply with the FCRAs 30-day response rule. FEDERAL VIOLATIONS COMMITTED BY EQUIFAX : FCRA 611 ( a ) ( 1 ) ( A ) Failure to complete reinvestigation within 30 days FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete information not verified within 30 days FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 602 ( a ) Failure to ensure fair and equitable treatment after a data breach EQUIFAX DATA BREACH LIABILITY : As a known and confirmed victim of the Equifax data breach, I have no confidence in the integrity or security of any data Equifax holds or verifies. Per FCRA 602 ( a ), consumers have a right to accurate and secure reporting. The breach further invalidates any attempted " verification '' by Equifax and compounds your liability. FINAL 10-DAY DEMAND ( EXTENDED COURTESY ) : Although Equifax is already in clear violation of federal law, I am extending a final 10-calendar-day courtesy to correct these violations before legal and regulatory escalation begins. You are hereby demanded to : Permanently delete all 10 accounts listed above Remove all associated late payments, charge-offs, and derogatory marks Send confirmation of deletion both : By Email : XXXX By Mail : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACTION WARNING : If you fail to fully delete these accounts and provide written confirmation within 10 calendar days, I will pursue : A civil lawsuit under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), seeking : {$1000.00} per violation Punitive damages Attorneys fees and court costs Formal complaints to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Office of the Pennsylvania Attorney General XXXX XXXX You have been placed on final legal notice. This is your last opportunity to resolve this matter in compliance with federal law. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12951454 about?
Complaint #12951454 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-11T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.