Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14408953
Complaint Overview
Complaint ID: 14408953
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: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 77084
Date Received: 2025-07-01T12:00:00-05:00
Date Sent to Company: 2025-07-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * FINAL DEMAND LETTER UNDER FCRA, 18 U.S.C. 1028A, AND STATE CONSUMER LAWS XXXX XXXX XXXX XXXX VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX * * XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Re XXXX XXXX XXXX XXXX XXXX IMMEDIATE DELETION OF DISPUTE HISTORIES, INQUIRIES, DEROGATORY ITEMS, AND UNAUTHORIZED ACCOUNTS XXXX XXXX XXXX XXXX Consumer : * * [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX Address XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] XXXX * XXXX XXXX XXXX XXXX XXXX Business Days from Receipt XXXX XXXX XXXX XXXX XXXX XXXX LEGAL DEMANDS XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and 18 U.S.C. 1028A, you are directed to perform the following within XXXX XXXX XXXX ( XXXX ) business days XXXX XXXX XXXX XXXX XXXX XXXX Erase All Dispute Histories ( XXXX Months ) XXXX XXXX XXXX XXXX Remove all records of disputes submitted on my behalf. Retention risks " frivolous '' or " duplicate '' designations under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ], obstructing my right to accurate reinvestigations. XXXXXXXX XXXX XXXX Delete All Hard and Soft Inquiries XXXX XXXX XXXX XXXX Expunge every inquiry lacking " permissible purpose '' under FCRA 604 [ 15 U.S.C. 1681b ]. Creditors never obtained lawful consent to access my credit data. XXXXXXXX XXXX XXXX Remove All Derogatory Items & Negative Remarks XXXX XXXX XXXX XXXX Eliminate late payments, collections, charge-offs, utilization data, and any adverse information. These items : - Violate FCRA 607 ( b ) for failure to ensure maximum accuracy. - Exceed permissible reporting periods under FCRA 605 [ 15 U.S.C. 1681c ]. XXXX. XXXX XXXX Terminate XXXX XXXX XXXX ( XXXX ) Reporting XXXX XXXX XXXX XXXX Delete all XXXX tradelines. XXXX has a documented history of furnishing unverified data, violating FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ]. XXXX XXXX XXXX XXXX XXXX II. LEGAL BASIS FOR DEMANDS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. FCRA Violations XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( XXXX ) XXXX XXXX XXXX Your failure to delete dispute histories impedes future disputes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries and negative items lack " reasonable procedures '' to verify accuracy or permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systemic inaccuracies ( per CFPB XXXX XXXX ) warrant immediate deletion. XXXX XXXX XXXX XXXX XXXX XXXX B. Aggravated Identity Theft ( 18 U.S.C. 1028A ) XXXX XXXX Creditors unlawfully used my identity to report false data without authorization, constituting a felony triggering XXXX mandatory imprisonment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emotional Distress & Punitive Damages XXXX XXXX Your willful noncompliance caused XXXX XXXX XXXX XXXX Emotional Harm XXXX XXXX XXXX Severe anxiety, sleep disruption, and reputational damage. XXXX XXXX XXXX Financial Losses XXXX XXXX XXXX Denied loans, inflated interest rates, and lost opportunities. Under FCRA 616 [ 15 U.S.C. 1681n ], I seek : - Actual damages ( quantified financial/emotional harm ) ; - Statutory damages ( {$100.00} {$1000.00} per violation ) ; - Punitive damages ; - XXXX fees and costs. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX : LEGAL IMPERATIVE FOR DELETION XXXX XXXX XXXX XXXX XXXX XXXXXXXX CFPB XXXX ( XXXX ) confirms its history of furnishing " systemically inaccurate data ''. - Multistate settlements ( XXXX ) further prove its unlawful reporting practices. - XXXX of XXXX tradelines violates FCRA XXXX and constitutes ongoing fraud. XXXX XXXX XXXX XXXX XXXX IV. NOTICE OF LEGAL ACTION XXXX XXXX Failure to comply within XXXX XXXX XXXX ( XXXX ) business days XXXX XXXX will compel me to : XXXX. File suit in federal court for : - Willful FCRA violations ( 15 U.S.C. 1681n, 1681o ) ; - Aggravated identity theft ( 18 U.S.C. 1028A ) ; - State consumer law claims. XXXX. Seek XXXX XXXX XXXX XXXX Injunctive relief XXXX XXXX forcing deletion of all disputed items ; XXXX XXXX XXXX Compensatory damages XXXX XXXX ( XXXX XXXXXXXX for financial/emotional harm ) XXXX XXXX XXXX XXXX Punitive damages XXXX XXXX ( XXXX XXXXXXXX ) XXXX XXXX XXXX fees and costs. XXXX XXXX XXXX XXXX XXXX V. CONSUMER RIGHTS ASSERTION XXXX XXXX I expressly XXXX XXXX refuse to " specify '' inaccuracies XXXX XXXX beyond this notice. Your systems retain records of all disputed items, and FCRA 611 ( a ) ( 1 ) ( B ) places the verification burden on you. XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX UNDER PENALTY OF PERJURY XXXX XXXX XXXX I declare this information is true and correct. XXXX XXXX ATTACHMENTS XXXX XXXX XXXX XXXX. Government-issued ID ; XXXX. Proof of address ( utility bill/lease ) ; XXXX. Copies of credit reports ( disputed items highlighted ).
Frequently Asked Questions
What is Complaint #14408953 about?
Complaint #14408953 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 2025-07-01T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.