{"took":113,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":123,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2670733","_score":22.596771,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a security data breach on XXXX XXXX, 2017. Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. \n\nAfter going to the site XXXX it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. \n\nI was notified via email to prove that I was impacted by this security breach, also I have filed a police report. I am putting in a complaint against Equifax for their negligence of handling my personal information. \n\nI was previously a victim of identity theft in the past and I am worried about my personal information and security.","date_sent_to_company":"2017-09-12T20:00:39.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"14621","tags":null,"has_narrative":true,"complaint_id":"2670733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T19:33:36.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I was notified via email to prove that I was impacted by this <em>security</em> breach, also I have <em>filed</em> a police report. I am putting in a complaint <em>against</em> <em>Equifax</em> for their <em>negligence</em> of handling my personal information. \n\nI was previously a victim of identity theft in the past and I am worried about my personal information and <em>security</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.596771,"2670733"]},{"_index":"complaint-public-v1","_id":"12357501","_score":19.95283,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Failure to Investigate, FCRA Violations & Data Security Negligence I am filing a formal complaint against Equifax for its failure to properly investigate and remove inaccurate, unverified, and potentially fraudulent information from my credit report. Despite my dispute, Equifax has continued to report incorrect data, violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ). Additionally, given Equifaxs history of data breaches and failure to protect consumer information, I have serious concerns regarding the accuracy and security of the data they maintain about me.\n\n1. Failure to Conduct a Proper Investigation I submitted a dispute to Equifax regarding inaccurate information appearing on my credit report.\n\nUnder 15 U.S.C. 1681i ( a ), Equifax is legally required to conduct a reasonable investigation and delete any information that can not be verified.\n\nInstead, Equifax has failed to properly investigate and continues to report unverified data.\n\n2. Violation of FCRA Accuracy Standards Equifax is responsible for ensuring maximum possible accuracy of consumer reports under 15 U.S.C. 1681e ( b ).\n\nReporting unverified or incorrect information violates my rights and causes unnecessary financial harm.\n\n3. Equifaxs History of Data Breaches & Security Concerns Equifax suffered a massive data breach in 2017, exposing the personal information of 147 million consumers, including Social Security numbers, birth dates, and financial records.\n\nTheir repeated failure to secure consumer data raises concerns about the accuracy and legitimacy of the information they report.\n\nGiven their previous data breaches, it is entirely possible that the erroneous information on my report is the result of Equifaxs own mishandling of consumer data.\n\n4. Negligence in Protecting Consumer Data & Rights Equifax has knowingly allowed incorrect information to remain on my credit file.\n\nThis has resulted in credit damage, financial uncertainty, and emotional distress due to inaccurate reporting.\n\nRelief Requested : Immediate Removal of the Inaccurate Information Equifax must delete all unverified and incorrect data from my report.\n\nMonetary Compensation I am requesting {$1000.00} per FCRA violation under 15 U.S.C. 1681n ( a ), along with damages for financial and emotional distress.\n\nRegulatory Investigation I request that the CFPB launch an investigation into Equifaxs failure to comply with FCRA standards, its mishandling of consumer disputes, and its ongoing security failures that put consumers at risk.","date_sent_to_company":"2025-03-06T06:59:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"64063","tags":null,"has_narrative":true,"complaint_id":"12357501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-06T06:47:32.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Failure to Investigate, FCRA Violations & Data <em>Security</em> <em>Negligence</em> I am <em>filing</em> a <em>formal</em> complaint <em>against</em> <em>Equifax</em> for its failure to properly investigate and remove inaccurate, unverified, and potentially fraudulent information from my credit report. Despite my dispute, <em>Equifax</em> has continued to report incorrect data, violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) )."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.95283,"12357501"]},{"_index":"complaint-public-v1","_id":"14445080","_score":19.488842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their continued reporting of an incorrect date of birth on my credit file, despite numerous attempts on my part to correct the error. \n\nEquifax has listed my date of birth incorrectly in their records. As a result, any time a financial institution performs a credit inquiry, it either receives a \" no file found '' response or an inaccurate credit report, which has led to repeated denials for essential financial services including a mortgage, auto loans, and credit cards. \n\nI have submitted multiple forms of official documentation to Equifax to verify my identity and correct my date of birth, including government-issued ID, Social Security card Despite this, the error remains unresolved, and I continue to suffer financial harm due to their negligence. \n\nThis misreporting has severely impacted my ability to access credit and participate fully in the financial system. I am requesting the CFPB 's assistance in investigating this matter and ensuring that Equifax promptly and accurately updates my credit file. \n\nPlease let me know if you require any supporting documentation or additional details. I would appreciate any help in resolving this issue as quickly as possible.","date_sent_to_company":"2025-07-03T17:07:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30728","tags":null,"has_narrative":true,"complaint_id":"14445080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-03T16:55:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am writing to <em>formally</em> <em>file</em> a complaint <em>against</em> <em>Equifax</em> regarding their continued reporting of an incorrect date of birth on my credit <em>file</em>, despite numerous attempts on my part to correct the error. \n\n<em>Equifax</em> has listed my date of birth incorrectly in their records."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.488842,"14445080"]},{"_index":"complaint-public-v1","_id":"14445380","_score":19.466759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their continued reporting of an incorrect date of birth on my credit file, despite numerous attempts on my part to correct the error. \n\nEquifax has listed my date of birth incorrectly in their records. As a result, any time a financial institution performs a credit inquiry, it either receives a \" no file found '' response or an inaccurate credit report, which has led to repeated denials for essential financial services including a mortgage, auto loans, and credit cards. \n\nI have submitted multiple forms of official documentation to Equifax to verify my identity and correct my date of birth, including government-issued ID, Social Security card Despite this, the error remains unresolved, and I continue to suffer financial harm due to their negligence. \n\nThis misreporting has severely impacted my ability to access credit and participate fully in the financial system. I am requesting the CFPB 's assistance in investigating this matter and ensuring that Equifax promptly and accurately updates my credit file. \n\nPlease let me know if you require any supporting documentation or additional details. I would appreciate any help in resolving this issue as quickly as possible.","date_sent_to_company":"2025-07-03T17:07:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30728","tags":null,"has_narrative":true,"complaint_id":"14445380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-03T17:07:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am writing to <em>formally</em> <em>file</em> a complaint <em>against</em> <em>Equifax</em> regarding their continued reporting of an incorrect date of birth on my credit <em>file</em>, despite numerous attempts on my part to correct the error. \n\n<em>Equifax</em> has listed my date of birth incorrectly in their records."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[19.466759,"14445380"]},{"_index":"complaint-public-v1","_id":"12644057","_score":18.667318,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally requesting a detailed investigation and full disclosure regarding the fraudulent names and addresses that have been attached to my credit file for nearly XXXX years without proper intervention. The following namesXXXX, XXXX, XXXX, as well as illegal misrepresentations of my lawful name such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and othersshould have immediately triggered a fraud alert and internal review. \n\nFailure to Investigate & Report Fraud Equifax has failed to : Conduct a thorough initial investigation when XXXX  notified of these fraudulent identities. \nProvide standard fraud protections that should be in place for identity theft victims. \nNotify appropriate authorities or the original consumer ( myself ) when new fraudulent identities and addresses were added. \n\nAs a credit bureau, Equifax is responsible for maintaining accurate consumer records and protecting against fraudulent activity. This level of negligence is unacceptable and has resulted in severe financial, professional, and personal harm. \n\nFormal Requests for Investigation & Disclosure I require a full, documented report including : XXXX. The exact dates and sources of when these fraudulent names and addresses were first obtained and linked to my Social Security number. \nXXXX. A comprehensive fraud investigation report, including why these inconsistencies failed to trigger security measures. \nXXXX. Copies of all internal findings from any previous disputes and investigations into this matter. \nXXXX. Clear explanation of Equifaxs policies regarding fraudulent identities and why those policies were not followed.\n\nThis documentation is essential, as I am currently working with my local XXXX XXXX XXXX office to pursue all legal options available to me as an ongoing victim of identity theft. \n\nOngoing Harm & Professional Interference The mishandling of this case continues to have serious consequences : Housing Instability : Due to errors in my credit report, I am currently facing homelessness despite a strong rental history. I am forced to seek housing through private landlords, who offer limited protections. \nEmployment Barriers : As an XXXX agent working directly with Equifax, XXXX am the only team member required to undergo additional identity validation due to Equifaxs own system flags. This has resulted in : XXXX days of inability to access work systems until my employer intervened. \nRestrictions on my ability to work from multiple locations, as Equifax flags new devices and prevents access. \nEmployer-documented evidence of this issue, further proving the direct harm caused by Equifaxs negligence. \n\nNext Steps & Legal Implications If Equifax fails to comply with this request and provide the necessary documentation, I will escalate this matter further, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. \nSeeking legal action for damages resulting from Equifaxs failure to investigate and correct fraudulent data. \n\nThis is a critical matter impacting my financial stability, housing security, and professional employment. I expect a timely and thorough response with all information made available to me immediately via paper mail to my lawful address or a detailed outline downloadable to my email address as on file for Equifax and Experian, I will require that they first confirm said lawful physical residential address and/or email prior to submission.","date_sent_to_company":"2025-03-24T11:33:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"12644057","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-24T11:33:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Employer-documented evidence of this issue, further proving the direct harm caused by <em>Equifaxs</em> <em>negligence</em>. \n\nNext Steps & Legal Implications If <em>Equifax</em> fails to comply with this request and provide the necessary documentation, I will escalate this matter further, including but not limited to : <em>Filing</em> <em>formal</em> complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office."]},"sort":[18.667318,"12644057"]},{"_index":"complaint-public-v1","_id":"12625838","_score":18.667318,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally requesting a detailed investigation and full disclosure regarding the fraudulent names and addresses that have been attached to my credit file for nearly XXXX years without proper intervention. The following namesXXXX, XXXX, XXXX, as well as illegal misrepresentations of my lawful name such as XXXX XXXX, XXXX XXXX, XXXX XXXX, and othersshould have immediately triggered a fraud alert and internal review. \n\nFailure to Investigate & Report Fraud Equifax has failed to : Conduct a thorough initial investigation when XXXX  notified of these fraudulent identities. \nProvide standard fraud protections that should be in place for identity theft victims. \nNotify appropriate authorities or the original consumer ( myself ) when new fraudulent identities and addresses were added. \n\nAs a credit bureau, Equifax is responsible for maintaining accurate consumer records and protecting against fraudulent activity. This level of negligence is unacceptable and has resulted in severe financial, professional, and personal harm. \n\nFormal Requests for Investigation & Disclosure I require a full, documented report including : XXXX. The exact dates and sources of when these fraudulent names and addresses were first obtained and linked to my Social Security number. \nXXXX. A comprehensive fraud investigation report, including why these inconsistencies failed to trigger security measures. \nXXXX. Copies of all internal findings from any previous disputes and investigations into this matter. \nXXXX. Clear explanation of Equifaxs policies regarding fraudulent identities and why those policies were not followed.\n\nThis documentation is essential, as I am currently working with my local XXXX XXXX XXXX office to pursue all legal options available to me as an ongoing victim of identity theft. \n\nOngoing Harm & Professional Interference The mishandling of this case continues to have serious consequences : Housing Instability : Due to errors in my credit report, I am currently facing homelessness despite a strong rental history. I am forced to seek housing through private landlords, who offer limited protections. \nEmployment Barriers : As an XXXX agent working directly with Equifax, XXXX am the only team member required to undergo additional identity validation due to Equifaxs own system flags. This has resulted in : XXXX days of inability to access work systems until my employer intervened. \nRestrictions on my ability to work from multiple locations, as Equifax flags new devices and prevents access. \nEmployer-documented evidence of this issue, further proving the direct harm caused by Equifaxs negligence. \n\nNext Steps & Legal Implications If Equifax fails to comply with this request and provide the necessary documentation, I will escalate this matter further, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. \nSeeking legal action for damages resulting from Equifaxs failure to investigate and correct fraudulent data. \n\nThis is a critical matter impacting my financial stability, housing security, and professional employment. I expect a timely and thorough response with all information made available to me immediately via paper mail to my lawful address or a detailed outline downloadable to my email address as on file for Equifax and Experian, I will require that they first confirm said lawful physical residential address and/or email prior to submission.","date_sent_to_company":"2025-03-24T11:33:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"12625838","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T10:51:59.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Employer-documented evidence of this issue, further proving the direct harm caused by <em>Equifaxs</em> <em>negligence</em>. \n\nNext Steps & Legal Implications If <em>Equifax</em> fails to comply with this request and provide the necessary documentation, I will escalate this matter further, including but not limited to : <em>Filing</em> <em>formal</em> complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.667318,"12625838"]},{"_index":"complaint-public-v1","_id":"11928079","_score":17.714602,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Removal of Fraudulent Accounts & Accountability for Data Breach Negligence To Whom It May Concern, This letter serves as a formal dispute and demand for immediate removal of fraudulent and inaccurate accounts appearing on my Equifax credit report. My demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the CFPBs lawsuit against Equifax for its continued pattern of deceptive, reckless, and unlawful credit reporting practices. \n\nFurthermore, I am a victim of Equifaxs massive data breach, which compromised my personal and financial information, directly resulting in identity theft and fraudulent accounts appearing on my credit report. This blatant negligence has caused me severe financial and emotional distress, and Equifaxs failure to protect consumer data only compounds its liability in this matter. \n\nXXXX Accounts for XXXX Deletion : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. \nXXXX. The following account is not mine XXXX XXXX  Account Number : XXXX FCRA XXXX ( b ) 15 U.S.C. 1681c-2 3. Account was never late 15 U.S.C 1666B XXXX Account Number : XXXX Equifaxs Legal Violations & My Rights Under the Law : XXXX. CFPB Lawsuit Against Equifax : The CFPB has taken legal action against Equifax for its repeated failure to conduct proper investigations into consumer disputes and for illegally retaining inaccurate information. This misconduct is well-documented and must not continue in my case. \nXXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) Mandatory Removal Within 4 Days : Equifax is legally required to block and delete fraudulent accounts within XXXX ( XXXX ) business days of receiving this dispute. Failure to comply constitutes a direct violation of federal law, exposing Equifax to lawsuits and regulatory penalties. \nXXXX. Equifaxs XXXX XXXX XXXX XXXX XXXX of My Identity Theft : My personal and financial data were exposed due to Equifaxs reckless mishandling of consumer information. Because of this security failure, I have become a victim of identity theft, leading to fraudulent accounts damaging my credit report. \nEquifax must take full responsibility for this damage and act immediately to rectify the harm done. \nXXXX Actions Required : Permanently delete all fraudulent and inaccurate accounts from my credit file. Provide written confirmation that these deletions have been completed. \nSend me an updated copy of my corrected credit report reflecting these changes. \nFailure to Comply Will Result in Escalation : If Equifax refuses to take immediate corrective action, I will be left with no choice but to escalate this matter aggressively by : Filing additional complaints with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals Office. \nPursuing legal action against Equifax for violations of the FCRA and for damages resulting from its negligent data breach. \nSeeking monetary compensation for the financial and emotional distress caused by Equifaxs reckless mishandling of my sensitive information. \nThis is your final opportunity to resolve this matter before I take further legal action. I demand written confirmation of compliance within XXXX ( XXXX ) business days of receiving this letter.","date_sent_to_company":"2025-02-04T07:07:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70458","tags":null,"has_narrative":true,"complaint_id":"11928079","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T06:51:04.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> Demand for Immediate Removal of Fraudulent Accounts & Accountability for Data Breach <em>Negligence</em> To Whom It May Concern, This letter serves as a <em>formal</em> dispute and demand for immediate removal of fraudulent and inaccurate accounts appearing on my <em>Equifax</em> credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.714602,"11928079"]},{"_index":"complaint-public-v1","_id":"3132529","_score":17.462765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TWO PAGES SENT ELECTRONIC MAIL AND UNITED STATES POSTAL SERVICE PAGE 1 OF 2 XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa, XXXX CC : EQUIFAX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX NOTICE OF REIMBURSEMENT OF {$50000.00} IS DUE XXXX XXXX XXXX, DUE TO EQUIFAXS SLANDER, MISPRESENTATIONS OF FACT, NEGLIGENCE, BREACH OF DATA, AND HAZING ME Dear Representatives of Consumer Financial Protection Bureau ( CFPB ) : This letter is sent to register and report my formal complaints against Equifax, a Federal Credit Reporting Bureau. Equifax negligently breach data, which cause financial harm thus endangered me. Equifax failed to investigate fraud appropriately. These are facts of disclosure regarding Equifaxs slander, misrepresentations of fact, breach of data, negligence. Equifaxs negativity and hazing is bias profiling of me, and slander me to creditors and companies : known as XXXX/MasterCard and XXXX. \n\nIt is my duty to inform CFPB of the gross harm caused doing the recovery in the aftermath of XX/XX/XXXXHurricane Irma. Equifax made numerous errors and neglected to investigate, repair, and respond for its breach of data. Thus numerous accounts of wire fraud, identity theft, misuse of my data, my stolen date of birth, and social security number did occur. \n\nThe investigative team of Social Security Office, the IRS ( Department of the Treasury-refer to XXXX ), and my accounting affirm of XXXX, XXXX XXXX XXXX , XXXX, has affirmed no wrongdoing on my part. Hence, Equifaxs errors created false data, misrepresentations, and fraud.\n\n1 ) The Social Security Admistration Office affirmed that an internal change occurred illegally, that my correct date of birth of xxxx, was stolen and incorrectly registered as xxxx, and this is breach of data, identity theft, and fraud. \n2 ) Equifax received notices from XXXX XXXX and XXXX that unauthorized foreign transaction charges and fees posted on my account, credit/cash funds stolen on XX/XX/XXXX in XXXX and on CONTINUED PAGE 2 OF 2 XX/XX/XXXX in XXXX : even thou a 7-year fraud alert with the Federal Credit Bureaus existed. \n2 ) Equifax placed an active-duty alert on the account, which required remedy. Equifaxs letter dated XX/XX/XXXX, and I am a non-veteran or military employee. \n3 ) Then while XXXX  and XXXX  investigated, disputed, and responded to the fraud kindly and with care, Equifax did not. \n4 ) My file complaint reference number against Equifax is registered in XXXX : my Equifax complaint reference number is XXXX. \n5 ) XXXX notified my in writing that Equifax in the month of XX/XX/XXXX demanded credit limit reductions for the reason of Equifax and its fraudulent data ; thus credit limit of {$8400.00} reduced to {$5000.00} without just cause. Equifax use false data to slander me and in the aftermath of recovery from a natural and unnatural disaster of XXXX Hurricane Irma 6 ) XXXX XXXX has reported to me that Equifax disclosed data, which caused more charges that are fraudulent and having to remedy with law enforcement and lawyers. Unauthorized-incidents by XXXX/XXXX-XXXX, XXXX/XXXX, in California XXXX Next, unauthorized charges on XX/XX/XXXX, all due to Equifaxs breach of data did these fraud charges post onto new XXXX XXXX accounts. \n7 ) Equifax lied, lost, and misplaced my data. Equifax denied data from law enforcement, police reports, and letters of law offices regarding a fraud of XXXX of XXXX XXXX. The United States Postal Service ( USPS ) reference number and signature of a one being, XXXX is dated XX/XX/XXXX ; USPS track number is XXXX. \n\nEquifax has failed to properly investigate, respond, and appropriately refund and credit funds to me for their negligence and breach of data. \n\nThank you CFPB for providing assistance to me with a remedy that restores my dignity and finances. \n\nRespectfully yours.","date_sent_to_company":"2019-01-24T20:29:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"3132529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-01-24T20:13:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>against</em> <em>Equifax</em>, a Federal Credit Reporting Bureau."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.462765,"3132529"]},{"_index":"complaint-public-v1","_id":"13512059","_score":17.041964,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"last COMPLAINT ID XXXX My Complaint Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Formal Complaint Against Equifax for Ongoing Data Breach Issues, Identity Theft, and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and file a complaint against Equifax for their failure to address my long-standing concerns regarding their data breach and its impact on my credit profile. I have repeatedly sent dispute letters to Equifax over the years regarding the misuse of my personal information due to their data breach, yet they have failed to respond or take corrective action. As a direct result of this breach, I have been a victim of identity theft. My credit report now contains false closed accounts, inaccurate addresses, incorrect employment information, and even false names that I have never used. These inaccuracies have significantly harmed my credit standing and financial well-being. Despite my ongoing efforts to communicate with Equifax, they have ignored my previous disputes, failed to provide proper investigation results, and have not corrected the errors on my report. This negligence violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I am formally requesting that the CFPB intervene and take action to hold Equifax accountable for its lack of response and its failure to correct these errors. I am requesting the following : 1. A full investigation into Equifaxs handling of my disputes and why they have failed to respond. 2. The immediate removal of all fraudulent and inaccurate information from my credit report. \n\nEquifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, ACCOUNT HISTORY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, PAST DUE, CHARGE OFF AMOUNT, BALANCE, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX","date_sent_to_company":"2025-05-14T16:34:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"13512059","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-14T16:34:30.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX Subject : <em>Formal</em> Complaint <em>Against</em> <em>Equifax</em> for Ongoing Data Breach Issues, Identity Theft, and Inaccurate Credit Reporting To Whom It May Concern, I am writing to <em>formally</em> dispute and <em>file</em> a complaint <em>against</em> <em>Equifax</em> for their failure to address my long-standing concerns regarding their data breach and its impact on my credit profile."]},"sort":[17.041964,"13512059"]},{"_index":"complaint-public-v1","_id":"13517525","_score":17.021406,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"last COMPLAINT ID XXXX My Complaint Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX, D.C. XXXX Subject : Formal Complaint Against Equifax for Ongoing Data Breach Issues, Identity Theft, and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and file a complaint against Equifax for their failure to address my long-standing concerns regarding their data breach and its impact on my credit profile. I have repeatedly sent dispute letters to Equifax over the years regarding the misuse of my personal information due to their data breach, yet they have failed to respond or take corrective action. As a direct result of this breach, I have been a victim of identity theft. My credit report now contains false closed accounts, inaccurate addresses, incorrect employment information, and even false names that I have never used. These inaccuracies have significantly harmed my credit standing and financial well-being. Despite my ongoing efforts to communicate with Equifax, they have ignored my previous disputes, failed to provide proper investigation results, and have not corrected the errors on my report. This negligence violates the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I am formally requesting that the CFPB intervene and take action to hold Equifax accountable for its lack of response and its failure to correct these errors. I am requesting the following : 1. A full investigation into Equifaxs handling of my disputes and why they have failed to respond. 2. The immediate removal of all fraudulent and inaccurate information from my credit report. \n\nEquifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, ACCOUNT HISTORY Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT, PAST DUE, CHARGE OFF AMOUNT, BALANCE, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX","date_sent_to_company":"2025-05-14T16:34:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"13517525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-14T15:39:37.000Z","state":"AZ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX Subject : <em>Formal</em> Complaint <em>Against</em> <em>Equifax</em> for Ongoing Data Breach Issues, Identity Theft, and Inaccurate Credit Reporting To Whom It May Concern, I am writing to <em>formally</em> dispute and <em>file</em> a complaint <em>against</em> <em>Equifax</em> for their failure to address my long-standing concerns regarding their data breach and its impact on my credit profile."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.021406,"13517525"]},{"_index":"complaint-public-v1","_id":"11775972","_score":16.674065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Equifax for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, Equifax has failed to conduct a reasonable reinvestigation of disputed information on my credit report, despite my submission of supporting evidence. As a result, inaccurate or unverifiable accounts remain unresolved, causing harm to my credit standing and financial stability.\n\nUnder 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable reinvestigation of disputed information within 30 days. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies ensure maximum possible accuracy in consumer credit files.\nEquifaxs failure to properly investigate my disputes and refusal to correct or remove inaccurate accounts constitute clear violations of these legal provisions. \n\nAdditionally, the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Equifax, highlighting widespread issues with its handling of consumer disputes. Equifax has been found to : 1. Fail to forward consumer-provided evidence to furnishers for proper verification.\n\n2. Accept unverifiable or unreliable responses from furnishers without conducting independent reviews.\n\n3. Neglect to adequately notify consumers about dispute outcomes, leaving them in the dark regarding their rights and options.\n\nThese systemic failures align with my experience. Equifax has not properly reviewed or addressed the documentation I submitted, has failed to provide sufficient explanations regarding its dispute resolutions, and continues to report inaccurate or unverifiable information, despite my clear evidence proving otherwise. This negligence has directly harmed my financial well-being by limiting my access to credit opportunities and fair lending terms.\n\nRequested Action : I respectfully request that the CFPB take immediate action to : 1. Investigate Equifaxs failure to comply with FCRA dispute resolution requirements. \nXXXX. Require Equifax to correct or remove the disputed accounts from my credit report. \nXXXX. Ensure that Equifax improves its dispute handling process to prevent further harm to consumers. \n\nEquifaxs noncompliance with federal law has directly affected my financial security, and I urge the CFPB to intervene promptly. Please find attached supporting documentation, including copies of my dispute submissions and Equifaxs inadequate responses.\n\nThank you for your time and attention to this serious matter. I appreciate the CFPBs efforts in enforcing fair credit reporting standards and protecting consumer rights.","date_sent_to_company":"2025-01-27T00:59:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77494","tags":null,"has_narrative":true,"complaint_id":"11775972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-27T00:54:30.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this <em>formal</em> complaint <em>against</em> <em>Equifax</em> for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, <em>Equifax</em> has failed to conduct a reasonable reinvestigation of disputed information on my credit report, despite my submission of supporting evidence. As a result, inaccurate or unverifiable accounts remain unresolved, causing harm to my credit standing and financial stability."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.674065,"11775972"]},{"_index":"complaint-public-v1","_id":"11025167","_score":16.001043,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To the Attention of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX Disputed Information - Immediate Action Required Subject : Formal Complaint Regarding Fraudulent Inquiries and Equifaxs Negligence Submission to CFPB Dear Equifax Leadership Team, I am writing to formally notify you, under the authority of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), of the gross inaccuracies in my credit report and your companys repeated failure to address disputes in a timely and lawful manner. This letter also serves as an official submission to the Consumer Financial Protection Bureau ( CFPB ) to document your egregious violations of consumer rights. \n\nI submitted a dispute on XX/XX/XXXX, and despite providing all required documentation, Equifax has failed to respond within the legally mandated timeframe. Your lack of action has caused me severe emotional distress and has prevented me from securing housing for my family. \n\nViolations by Equifax Against Consumers : 1. Failure to Investigate Disputes Promptly : Your company has demonstrated a pattern of noncompliance with the FCRA by failing to address consumer disputes within 30 days. \n2. Reckless Data Practices : The infamous Equifax XXXX Data Breach, exposing the personal data of over XXXX XXXX Americans, showcases a lack of due diligence in protecting consumer information. \n3. Inaccurate Credit Reporting : Numerous lawsuits have been filed against Equifax for maintaining inaccurate data and failing to reinvestigate disputes properly, including : XXXX XXXX XXXX XXXX, highlighting similar industry practices of ignoring consumer rights. \nXXXX {$700.00} XXXX settlement with the CFPB for failing to protect consumer data. \n\nDisputed Information in My Credit File : Below are the items that I demand be removed immediately : 1. Personal Information : Incorrect address on file : XXXX XXXX XXXX, XXXX, PA XXXX. \n2. Unauthorized Inquiries : 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 XXXXXX/XX/XXXX Legal Obligations and My Rights : Under 15 U.S.C. 1681b, your company is prohibited from including unauthorized inquiries in consumer reports. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that credit reporting agencies adopt robust identity verification measures and promptly correct inaccuracies. \n\nBinding Legal Demands : 1. Immediate Removal : All unauthorized inquiries and inaccurate personal information must be removed within 24 hours of receipt of this letter. \n2. No Automated Systems : This matter must not be referred to EOSCAR or any automated dispute systems. As a legally binding condition, you must review my dispute manually.\n\n3. Identity Verification : I have enclosed the following documents to verify my identity : Drivers License Social Security Card Utility Bill FTC Identity Theft Affidavit Equifax is legally bound to accept these documents as proof of my identity. Any further delay or request for additional verification will be considered a willful violation of my rights under the FCRA, and I will pursue all available remedies, including legal action. \n\nConsequences of Noncompliance : Failure to act on this dispute will result in : Submission of formal complaints to the CFPB and FTC. \nInitiation of legal proceedings for violations of the FCRA, FACTA, and other applicable consumer protection laws. \nSeeking damages for emotional distress and financial harm caused by your negligence. \n\nThis travesty must be corrected immediately. I expect written confirmation within 24 hours of receipt of this letter that all disputed items have been permanently removed from my credit report. \n\nSincerely, XXXX XXXX Attachments : 1. List of Disputed Items 2. Drivers License 3. Social Security Card 4. Utility Bill 5. FTC Identity Theft Affidavit","date_sent_to_company":"2024-12-04T13:05:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17046","tags":null,"has_narrative":true,"complaint_id":"11025167","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-04T13:05:09.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Fraudulent Inquiries and <em>Equifaxs</em> <em>Negligence</em> Submission to CFPB Dear <em>Equifax</em> Leadership Team, I am writing to <em>formally</em> notify you, under the authority of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), of the gross inaccuracies in my credit report and your companys repeated failure to address disputes in a timely and lawful manner."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[16.001043,"11025167"]},{"_index":"complaint-public-v1","_id":"11025170","_score":15.972206,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To the Attention of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Disputed Information - Immediate Action Required Subject : Formal Complaint Regarding Fraudulent Inquiries and Equifaxs Negligence Submission to CFPB Dear Equifax Leadership Team, I am writing to formally notify you, under the authority of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), of the gross inaccuracies in my credit report and your companys repeated failure to address disputes in a timely and lawful manner. This letter also serves as an official submission to the Consumer Financial Protection Bureau ( CFPB ) to document your egregious violations of consumer rights. \n\nI submitted a dispute on XX/XX/XXXX, and despite providing all required documentation, Equifax has failed to respond within the legally mandated timeframe. Your lack of action has caused me severe emotional distress and has prevented me from securing housing for my family. \n\nViolations by Equifax Against Consumers : 1. Failure to Investigate Disputes Promptly : Your company has demonstrated a pattern of noncompliance with the FCRA by failing to address consumer disputes within 30 days. \n2. Reckless Data Practices : The infamous Equifax XXXX Data Breach, exposing the personal data of over XXXX XXXX Americans, showcases a lack of due diligence in protecting consumer information. \n3. Inaccurate Credit Reporting : Numerous lawsuits have been filed against Equifax for maintaining inaccurate data and failing to reinvestigate disputes properly, including : XXXX XXXX XXXX XXXX, highlighting similar industry practices of ignoring consumer rights. \nXXXX {$700.00} XXXX settlement with the CFPB for failing to protect consumer data. \n\nDisputed Information in My Credit File : Below are the items that I demand be removed immediately : 1. Personal Information : Incorrect address on file : XXXX XXXX XXXX, XXXX, PA XXXX. \n2. Unauthorized Inquiries : 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 XXXXXX/XX/XXXX Legal Obligations and My Rights : Under 15 U.S.C. 1681b, your company is prohibited from including unauthorized inquiries in consumer reports. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that credit reporting agencies adopt robust identity verification measures and promptly correct inaccuracies. \n\nBinding Legal Demands : 1. Immediate Removal : All unauthorized inquiries and inaccurate personal information must be removed within 24 hours of receipt of this letter.\n\n2. No Automated Systems : This matter must not be referred to EOSCAR or any automated dispute systems. As a legally binding condition, you must review my dispute manually.\n\n3. Identity Verification : I have enclosed the following documents to verify my identity : Drivers License Social Security Card Utility Bill FTC Identity Theft Affidavit Equifax is legally bound to accept these documents as proof of my identity. Any further delay or request for additional verification will be considered a willful violation of my rights under the FCRA, and I will pursue all available remedies, including legal action. \n\nConsequences of Noncompliance : Failure to act on this dispute will result in : Submission of formal complaints to the CFPB and FTC. \nInitiation of legal proceedings for violations of the FCRA, FACTA, and other applicable consumer protection laws. \nSeeking damages for emotional distress and financial harm caused by your negligence. \n\nThis travesty must be corrected immediately. I expect written confirmation within 24 hours of receipt of this letter that all disputed items have been permanently removed from my credit report. \n\nSincerely, XXXX XXXX Attachments : 1. List of Disputed Items 2. Drivers License 3. Social Security Card 4. Utility Bill 5. FTC Identity Theft Affidavit","date_sent_to_company":"2024-12-04T13:05:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17046","tags":null,"has_narrative":true,"complaint_id":"11025170","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-04T13:05:09.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Fraudulent Inquiries and <em>Equifaxs</em> <em>Negligence</em> Submission to CFPB Dear <em>Equifax</em> Leadership Team, I am writing to <em>formally</em> notify you, under the authority of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), of the gross inaccuracies in my credit report and your companys repeated failure to address disputes in a timely and lawful manner."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.972206,"11025170"]},{"_index":"complaint-public-v1","_id":"11024443","_score":15.956438,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To the Attention of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputed Information - Immediate Action Required Subject : Formal Complaint Regarding Fraudulent Inquiries and Equifaxs Negligence Submission to CFPB Dear Equifax Leadership Team, I am writing to formally notify you, under the authority of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), of the gross inaccuracies in my credit report and your companys repeated failure to address disputes in a timely and lawful manner. This letter also serves as an official submission to the Consumer Financial Protection Bureau ( CFPB ) to document your egregious violations of consumer rights. \n\nI submitted a dispute on XX/XX/XXXX, and despite providing all required documentation, Equifax has failed to respond within the legally mandated timeframe. Your lack of action has caused me severe emotional distress and has prevented me from securing housing for my family. \n\nViolations by Equifax Against Consumers : 1. Failure to Investigate Disputes Promptly : Your company has demonstrated a pattern of noncompliance with the FCRA by failing to address consumer disputes within 30 days. \n2. Reckless Data Practices : The infamous Equifax XXXX Data Breach, exposing the personal data of over XXXX XXXX Americans, showcases a lack of due diligence in protecting consumer information. \n3. Inaccurate Credit Reporting : Numerous lawsuits have been filed against Equifax for maintaining inaccurate data and failing to reinvestigate disputes properly, including : XXXX XXXX XXXX XXXX, highlighting similar industry practices of ignoring consumer rights. \nXXXX {$700.00} XXXX settlement with the CFPB for failing to protect consumer data. \n\nDisputed Information in My Credit File : Below are the items that I demand be removed immediately : 1. Personal Information : Incorrect address on file : XXXX XXXX XXXX, XXXX, PA XXXX. \n2. Unauthorized Inquiries : 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 XXXXXX/XX/XXXX Legal Obligations and My Rights : Under 15 U.S.C. 1681b, your company is prohibited from including unauthorized inquiries in consumer reports. Moreover, the Fair and Accurate Credit Transactions Act ( FACTA ) mandates that credit reporting agencies adopt robust identity verification measures and promptly correct inaccuracies. \n\nBinding Legal Demands : 1. Immediate Removal : All unauthorized inquiries and inaccurate personal information must be removed within 24 hours of receipt of this letter. \n2. No Automated Systems : This matter must not be referred to EOSCAR or any automated dispute systems. As a legally binding condition, you must review my dispute manually. \n3. Identity Verification : I have enclosed the following documents to verify my identity : Drivers License Social Security Card Utility Bill FTC Identity Theft Affidavit Equifax is legally bound to accept these documents as proof of my identity. Any further delay or request for additional verification will be considered a willful violation of my rights under the FCRA, and I will pursue all available remedies, including legal action. \n\nConsequences of Noncompliance : Failure to act on this dispute will result in : Submission of formal complaints to the CFPB and FTC. \nInitiation of legal proceedings for violations of the FCRA, FACTA, and other applicable consumer protection laws. \nSeeking damages for emotional distress and financial harm caused by your negligence. \n\nThis travesty must be corrected immediately. I expect written confirmation within 24 hours of receipt of this letter that all disputed items have been permanently removed from my credit report. \n\nSincerely, XXXX XXXX Attachments : 1. List of Disputed Items 2. Drivers License 3. Social Security Card 4. Utility Bill 5. FTC Identity Theft Affidavit","date_sent_to_company":"2024-12-04T13:05:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"17046","tags":null,"has_narrative":true,"complaint_id":"11024443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-04T12:52:33.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Fraudulent Inquiries and <em>Equifaxs</em> <em>Negligence</em> Submission to CFPB Dear <em>Equifax</em> Leadership Team, I am writing to <em>formally</em> notify you, under the authority of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), of the gross inaccuracies in my credit report and your companys repeated failure to address disputes in a timely and lawful manner."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.956438,"11024443"]},{"_index":"complaint-public-v1","_id":"12282195","_score":15.802387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Monday, XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax Data Breach, Mishandling of Consumer Data & FCRA Violations To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for its failure to protect consumer data, inaccurate credit reporting, and direct violations of the Fair Credit Reporting Act ( FCRA ). Due to Equifaxs proven history of compromised data security and mishandling of consumer credit information, I am demanding the immediate removal of all negative accounts and hard inquiries from my credit report without verification under federal law. \n\n1. Legal Basis for Immediate Removal Equifaxs Data Breach & FCRA Violations A. 2017 Equifax Data Breach Lawsuit ( $ XXXX Settlement ) In XXXX, Equifax suffered one of the largest data breaches in history, exposing the personal and financial data of XXXX XXXX Americans, including Social Security numbers, credit card details, and private account information. This led to a massive {$700.00} XXXX settlement with the FTC, CFPB, and 50 U.S. states due to Equifaxs negligence. \nEquifax failed to safeguard consumer data, which allowed unauthorized access to credit information, making its entire reporting system unreliable. \nThis breach resulted in identity theft, fraudulent accounts, and financial harm to millions of consumers. \nAs part of the settlement, Equifax acknowledged its failures but continues to mishandle credit reporting today. \n\nDue to this proven failure to secure consumer data, Equifax can not legally verify the accuracy of any disputed information because its reporting system is inherently compromised. Thus, under the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of all negative accounts and inquiries listed below as Equifax can not verify their accuracy after a security breach. \n\nB. Equifaxs Violation of the Fair Credit Reporting Act ( FCRA ) Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in consumer credit reports. Due to Equifaxs history of data breaches and reporting failures, it has proven incapable of maintaining accurate records.\n\nAdditionally, under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if a disputed item can not be verified within 30 days, it must be permanently removed. Given Equifaxs proven failure to protect consumer data, I am demanding the immediate removal of the following negative accounts and inquiries, as Equifax can not legally verify their accuracy after the data breach. \n\n2. Negative Accounts for Immediate Removal The following accounts must be immediately removed due to Equifaxs failure to ensure the integrity of its credit reporting system : XXXX. XXXX XXXX Account # XXXX Issue : Incorrectly listed as a collection account, despite being settled. \nXXXX. XXXX XXXX Account # XXXX Issue : Late payments falsely reported while under a hardship assistance program. \nXXXX. XXXX XXXX Account # Unknown Issue : If the account is marked as Unknown, then Equifax can not legally verify it, and it must be immediately removed. \nXXXX. XXXX XXXX XXXX XXXX Account # XXXX Issue : False 30-day late payments reported in XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX Account # XXXX ( First Account ) Issue : Inaccurate reporting of late payments for XXXX, XXXX, and XX/XX/XXXXXXXX \nXXXX. XXXX XXXX XXXX Account # XXXX ( Second Account ) Issue : Incorrect balance reporting and unjustified late payment entries. \nXXXX. XXXX Account # XXXX Issue : Incorrectly listed as charged off despite the balance being settled. \n\n3. Unauthorized Hard Inquiries for Immediate Removal The following hard inquiries were not authorized and must be deleted immediately due to potential fraudulent access and compromised consumer data from the Equifax breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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. Requested Action from the FTC I request that the FTC launch an immediate investigation into Equifaxs handling of my credit report, based on the following : 1. Equifaxs history of data breaches and proven inability to protect consumer financial data.\n\n2. Failure to ensure maximum possible accuracy, as required under the FCRA. \n3. Failure to properly investigate and remove unverifiable negative accounts from my credit report. \n\nI demand that Equifax be compelled to immediately remove these accounts and inquiries, as they can not be reliably verified due to their history of compromised data security. \n\n5. Failure to Act Will Result in Further Legal Action If Equifax does not remove these accounts and inquiries and fails to comply with federal law, I am prepared to escalate this matter by : Filing additional complaints with the CFPB, Attorney Generals Office, and consumer protection agencies. \nSeeking legal action for damages caused by Equifaxs negligence and FCRA violations. \n\nThis matter requires urgent attention, and I expect a response within 30 days. Please send all correspondence regarding this complaint to my email ( XXXX ) or mailing address ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). \n\nThank you for your immediate attention to this serious matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-02T21:28:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30168","tags":null,"has_narrative":true,"complaint_id":"12282195","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-02T21:22:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Monday, XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : <em>Formal</em> Complaint <em>Against</em> <em>Equifax</em> Data Breach, Mishandling of Consumer Data & FCRA Violations To Whom It May Concern, I am <em>filing</em> a <em>formal</em> complaint <em>against</em> <em>Equifax</em> Information Services LLC for its failure to protect consumer data, inaccurate credit reporting, and direct violations of the Fair Credit Reporting Act ("],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.802387,"12282195"]},{"_index":"complaint-public-v1","_id":"8520254","_score":15.664665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, due to their failure to take appropriate action on my reports of fraudulent credit inquiries linked to my Social Security Number ( SSN ) and their inadequate process of debt validation. Despite multiple requests for the removal of these inaccuracies and for proper validation of purported debts, XXXX, Equifax, nor XXXX has not fulfilled its obligations, leading to significant financial and personal distress. \n\nSince 2021, I have repeatedly informed XXXX of suspicious credit inquiries and contested debts on my report, providing them with evidence that these were fraudulent and not initiated by me. Despite following their recommended dispute resolution process and submitting all required documentation, my requests have been either ignored or inadequately addressed. \n\nFurthermore, XXXX has failed to provide : Adequate proof of the alleged debt. \nValidation of signatures purportedly authorizing these credit inquiries or debts. \nValidation of the debt itself, including any details on 1099A or 1099C forms that should accompany forgiven or unsettled debts.\n\nIn some cases, they have outright refused to readdress disputes I filed, even when contested for legitimate reasons.\n\nThe consequences of this negligence and failure to adhere to legal requirements have been far-reaching, including unjust decreases in my credit score, resulting in thousands of dollars in additional interest charges and denial of loans. This has caused significant financial harm and lost opportunities, such as capitalizing on the equity in my home.\n\nUnder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), credit bureaus and debt collectors are required to conduct thorough investigations of disputed items, provide validation of debt, and ensure accuracy in reporting. XXXX failure to comply with these laws in my case represents a clear breach of their obligations. \n\n\nThank you for your attention to this urgent matter. I trust that the CFPB will provide the necessary assistance to resolve this issue and enforce compliance with the FCRA and FDCPA, preventing similar instances of negligence affecting others. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-11T05:40:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33579","tags":"Servicemember","has_narrative":true,"complaint_id":"8520254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-11T05:40:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am writing to <em>file</em> a <em>formal</em> complaint <em>against</em> XXXX, due to their failure to take appropriate action on my reports of fraudulent credit inquiries linked to my Social <em>Security</em> Number ( SSN ) and their inadequate process of debt validation."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.664665,"8520254"]},{"_index":"complaint-public-v1","_id":"11082295","_score":15.427361,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a complaint against Equifax for the ongoing and severe harm caused by its negligent handling of my personal and financial data. The actions of Equifax, along with the conduct of its representatives, have left me financially disenfranchised, mentally distressed, and stripped of basic dignity. I demand immediate resolution and assert my rights under the law to protect myself against further harm. \nXXXX. Breach of Personal Data and Reporting Unauthorized Accounts Equifaxs failure to safeguard my personal data has allowed unauthorized accountsspecifically accounts linked to XXXX and XXXX tarnish my credit file. This is a direct consequence of the data breach, which not only compromised my sensitive information but enabled the perpetuation of fraud against me. Despite my repeated disputes, Equifax has willfully refused to remove these accounts reporting unauthorized information, which amounts to reckless indifference toward the accuracy of my credit file. \nXXXX. Dehumanizing Treatment by Representatives Equifax representative XXXX conduct has been particularly egregious. Her dismissive and disparaging remarks made me feel demeaned and powerless, as if I were a slave to a system designed to deny me fairness and justice. Rather than addressing my concerns with professionalism and care, XXXX responses have belittled my grievances and contributed to my mental anguish. This treatment reflects a lack of respect for my rights as a consumer and human being. \nXXXX. Violations of Federal Laws and Consumer Protections Equifax has committed multiple violations of federal law, which have directly contributed to my financial harm and emotional distress : XXXX. Repeated Opt-Out Notices Disregarded Against My Will Equifax ignored my multiple opt-out notices submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( e ). By failing to process these notices, Equifax violated federal laws governing the permissible use of consumer information. The right to opt out of prescreened or unauthorized offers is guaranteed to consumers, and XXXX deliberate inaction is a direct affront to these rights. \nViolation of 15 U.S.C. 1681b ( e ) : Equifax has no lawful basis to retain or share my information after receiving explicit instructions through multiple opt-out requests. \nNeglect of Consumer Autonomy : By disregarding these opt-out notices, Equifax has effectively coerced me into a system that I expressly refused to participate in, stripping me of control over my personal and financial data. \nThis ongoing violation of my will constitutes a severe infringement on my legal rights and has perpetuated the harm caused by unauthorized reporting. \nEquifax has displayed a clear and deliberate pattern of negligence, defiance of federal law, and blatant disregard for my consumer rights. Despite submitting a fully compliant FTC Identity Theft Report, along with all required documentationproof of address, social security, and government-issued IDEquifax has intentionally ignored its legal obligations under 15 U.S.C. 1681c-2 ( FCRA ), which mandates blocking disputed information resulting from identity theft. Their refusal to act not only contravenes federal law but also exhibits a shocking level of contempt for their responsibility to protect consumers. \nBy selectively acknowledging disputes, such as addressing XXXX Bank while completely disregarding the same evidence for other unauthorized accounts, Equifax is engaging in discriminatory practices that undermine the very integrity of the consumer reporting process. This selective enforcement is not only unjust but demonstrates a willful violation of 15 U.S.C. 1681i, which requires a fair and thorough investigation of all disputed accounts. \nEquifaxs misconduct has left unauthorized accounts on my credit report, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.all of which I have rightfully disputed. This negligence has caused severe financial harm, jeopardizing my creditworthiness, and further exacerbating the mental and emotional anguish inflicted upon me. Their actionsor lack thereofrepresent an outright denial of my constitutional rights, as well as a systemic abuse of power aimed at controlling my consumer report against my will. \nXXXX behavior constitutes a breach of trust and a clear violation of consumer protection laws, including 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy, and 15 U.S.C. 1681n, which imposes liability for willful noncompliance with the FCRA. Their disregard for the law, combined with their selective and prejudiced handling of my disputes, demonstrates an egregious lack of accountability and undermines the consumer protection framework they are obligated to uphold. I have documentation that will expose Equifaxs intentional misconduct, including their selective acknowledgment of disputes while disregarding identical claims, proving their efforts to manipulate and control my consumer report with willful disregard for my rights. \nEquifaxs actionsor inactionwill not go unanswered. This pattern of abuse, negligence, and selective enforcement is both unlawful and unethical, and I demand the immediate removal of all unauthorized accounts and full accountability for their violations of federal law. Should Equifax continue to ignore its obligations, I will have no choice but to escalate this matter to arbitration or federal litigation to seek damages for the irreparable harm caused. \n\nb. Negligence and Breach of Duty Equifaxs mishandling of my data during the breach demonstrates gross negligence. By failing to protect my information, Equifax breached its duty of care, exposing me to fraud and financial exploitation. \nc. Breach of Fiduciary Duty As a credit reporting agency, Equifax has a fiduciary duty to act in good faith and safeguard the interests of consumers. Its actionsallowing the perpetuation of fraudulent accountsconstitute a willful breach of this duty.\n\nd. Violations of the Equal Credit Opportunity Act ( ECOA ) By denying me equitable access to accurate credit reporting and imposing barriers to resolving disputes, Equifax has engaged in discriminatory practices that undermine my financial freedom.\n\ne. Constitutional Protections Against Coercion Equifaxs refusal to correct these inaccuracies has denied me the opportunity to exercise my constitutional right to financial liberty. The burden of battling their deliberate inaction has left me enslaved to a false narrative that paints me as financially irresponsiblea grave injustice XXXX. Selective Reporting and Contradictory Actions Equifaxs reporting of accounts demonstrates blatant inconsistencies and raises serious concerns about its adherence to fairness and accuracy obligations. While they sent a check related to the XXXX account, all other and related accounts listed below were still reported as unauthorized : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Numbers : XXXX, XXXX XXXX  XXXX : Account Number : XXXX XXXX XXXX ( XXXX ) : Account Number : XXXX XXXX XXXX Services : Account Number : XXXX Equifaxs selective handling of the XXXX Bank account demonstrates not only negligence but an intent to manipulate the reporting process to obscure its own failures. \n\n\n\n\nXXXX. Demand for Redress To rectify the harm caused by XXXX negligence, I demand the following : XXXX. Immediate removal of all unauthorized accounts from my credit report. \nXXXX. {$1000.00} per unauthorized account as compensation for financial harm, emotional distress, and mental anguish. \nXXXX. A formal apology acknowledging XXXX misconduct and detailing corrective measures to prevent further harm. \nXXXX. A commitment to ensure the accuracy of my credit file and comply with all federal and state laws governing credit reporting. \nXXXX. Case Law Supporting My Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that failure to properly investigate disputes under the FCRA constitutes a breach of duty, leading to liability for damages caused by inaccuracies. XXXX refusal to remove fraudulent accounts parallels this failure. \nXXXX XXXX XXXX XXXX XXXX, 578 U.S. 330 ( XXXX ) : This Supreme Court case emphasized the importance of accurate consumer reporting. XXXX continued reporting of false accounts directly contravenes this precedent, causing tangible harm to my financial standing. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case reinforced the standard for willful noncompliance with the FCRA. XXXX negligence and refusal to address disputes amount to willful violations of their legal obligations. \nXXXX. Emotional and Financial Anguish Equifaxs actions have caused irreparable damage to my mental well-being. The endless disputes, derogatory treatment, and refusal to act have left me feeling helpless and violated. This ordeal has stripped me of my financial dignity, as my creditworthinessa cornerstone of financial freedomremains tarnished by fraudulent accounts. \nI have suffered sleepless nights, stress-induced health issues, and a loss of confidence in pursuing opportunities that rely on accurate credit reporting. The emotional toll of being treated as a victim of fraud while being denied justice is beyond measure. \nXXXX. Preparedness for Arbitration or Legal Action If Equifax does not resolve this matter promptly and equitably, I am fully prepared to pursue arbitration or legal action. I will present comprehensive evidence of the following : Unauthorized accounts reported by Equifax. \nDocumentation of my disputes and Equifaxs inadequate responses.\n\nEvidence of the financial and emotional harm caused by Equifaxs misconduct.","date_sent_to_company":"2024-12-10T01:50:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"11082295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-10T01:29:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Breach of Personal Data and Reporting Unauthorized Accounts <em>Equifaxs</em> failure to safeguard my personal data has allowed unauthorized accountsspecifically accounts linked to XXXX and XXXX tarnish my credit <em>file</em>. This is a direct consequence of the data breach, which not only compromised my sensitive information but enabled the perpetuation of fraud <em>against</em> me."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.427361,"11082295"]},{"_index":"complaint-public-v1","_id":"12185758","_score":15.425165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX, Consumer Social Security Number:XXXX Consumer Date of BirthXXXX Subject : Second Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, This letter serves as my second formal dispute regarding the inaccurate and misleading information contained in my credit report, as well as Equifax continued failure to comply with federal consumer protection laws. Despite my initial dispute letter XX/XX/XXXX, Equifax has either failed to respond adequately or has conducted an insufficient investigation, further violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Your companys failure to address my dispute in a timely and lawful manner is unacceptable and demonstrates a pattern of negligence that has been highlighted by the Consumer Financial Protection Bureau ( CFPB ) in its enforcement actions against XXXX. I am now prepared to escalate this matter further if Equifax does not immediately rectify these issues. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Below, I reiterate the federal laws under XXXX*15 U.S.C. ** that XXXX is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section prohibits the inclusion of outdated and inaccurate information in consumer credit reports. Equifax failure to remove or correct such information continues to harm my creditworthiness. 2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Equifax inadequate investigation of my dispute demonstrates a blatant disregard for this legal obligation. 3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Equifax failure to properly investigate my dispute is a clear violation of this law. # # # **Demands** I demand that XXXX : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report. 2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made. 3. Remove any inaccurate, incomplete, or unverifiable information from my credit report. 4. Cease any practices that violate federal consumer protection laws, including sham or inadequate investigations. # # # **Notice of Intent to Escalate** If Equifax fails to comply with these demands within XXXX*15 days** of receiving this letter, I will take the following actions : 1. File a formal complaint with the CFPB, and the XXXX 2. Pursue legal action against equifax for violations of the FCRA, including seeking statutory damages, actual damages, and attorneys fees. 3. Report transunions noncompliance to relevant state and federal regulatory agencies. This is your final opportunity to resolve this matter before I escalate it further. I expect Equifax to uphold its legal obligations and protect my rights as a consumer. Sincerely, XXXX XXXX","date_sent_to_company":"2025-02-28T08:33:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"67216","tags":null,"has_narrative":true,"complaint_id":"12185758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-23T11:54:47.000Z","state":"KS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Cease any practices that violate federal consumer protection laws, including sham or inadequate investigations. # # # **Notice of Intent to Escalate** If <em>Equifax</em> fails to comply with these demands within XXXX*15 days** of receiving this letter, I will take the following actions : 1. <em>File</em> a <em>formal</em> complaint with the CFPB, and the XXXX 2. Pursue legal action <em>against</em> <em>equifax</em> for violations of the FCRA, including seeking statutory damages, actual damages, and attorneys fees. 3."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.425165,"12185758"]},{"_index":"complaint-public-v1","_id":"11617422","_score":15.420487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against Equifax for their repeated failure to comply with federal credit reporting laws, including but not limited to violations of the Fair Credit Reporting Act ( FCRA ). Despite my multiple attempts to resolve these issues directly with Equifax, they have not fulfilled their legal obligations under the following statutes : 1.\n\n**15 U.S.C. 1681e ( b ) ** Failure to ensure maximum possible accuracy of the information in my credit file.\n\n2. **15 U.S.C. 1681s-2** Responsibilities of furnishers of information to provide accurate and complete data.\n\n3. **15 U.S.C. 1681i ( 5 ) ** Failure to properly reinvestigate and correct inaccuracies in my credit report.\n\n4. **15 U.S.C. 1681c ( c ) ** Reporting obsolete information. \n5. ** 15 U.S.C. 1681 XXXX XXXX XXXX Chronology of Disputes Filed : - XXXX XXXX, XXXX : ** I submitted a dispute regarding inaccuracies in my credit report. \n- XXXX XXXX, XXXX : ** A second dispute was filed due to unresolved issues. \n- XXXX XXXX, XXXX : ** I filed another dispute, which also went unresolved. \n- XXXX XXXX, XXXX  : ** Most recently, I submitted a dispute, but the issues persist. \nThe following remains on my credit report as negative items being reported by Equifax XXXXXXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Company isn't authorized to do business in my state in which I pointed out to Equifax in my dispute ) 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  Despite my persistence, Equifax has failed to correct the inaccuracies in my credit file or provide adequate responses to my disputes. These ongoing issues have caused significant harm to my financial well-being, including denial of credit, unfavorable loan terms, and other adverse consequences. \n\nI recently became aware of the **CFPBs enforcement action against Equifax** , in which they were ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors. This enforcement action highlights Equifaxs systemic failure to comply with FCRA requirements, which directly aligns with my experience. \n\nAdditionally, I was affected by the **Equifax data breach**, which exposed my Social Security number and other personal information. This breach has exacerbated the harm Ive experienced, as I remain vulnerable to identity theft and fraud. Equifaxs failure to safeguard consumer data and properly address disputes demonstrates a pattern of negligence that has severely impacted my financial stability and peace of mind, I appreciate the CFPBs efforts to hold credit reporting agencies accountable and protect consumers like myself. I trust that your investigation will lead to a resolution of this matter and prevent further harm caused by Equifaxs practices.","date_sent_to_company":"2025-01-20T07:02:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29461","tags":null,"has_narrative":true,"complaint_id":"11617422","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-20T06:47:53.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to <em>formally</em> <em>file</em> a complaint <em>against</em> <em>Equifax</em> for their repeated failure to comply with federal credit reporting laws, including but not limited to violations of the Fair Credit Reporting Act ( FCRA )."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.420487,"11617422"]},{"_index":"complaint-public-v1","_id":"15119463","_score":15.363114,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which mandates that credit reporting agencies conduct a reasonable investigation into disputed information. Equifax has failed to fulfill this legal obligation and continues to report inaccurate and harmful items on my credit report.\n\nOn XX/XX/year>, I submitted a comprehensive written dispute to Equifax, formally requesting an investigation into several inaccurate items listed on my credit file. My dispute included all required identity verification documents : Government-issued photo ID, Social Security card , and a recent utility bill confirming my current address. The letter outlined my request to investigate the following inaccurate and negative accounts : - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - Account Name : XXXX XXXX XXXX Account Number : XXXX, - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - Account Name : XXXX, Account Number : XXXX, - Account Name : XXXX, Account Number : XXXX, - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - Account Name : XXXX XXXX XXXX, Account Number : XXXX, - XXXX  XXXX Bankruptcy ( Reference # XXXX ), - Inaccurate personal information listed on my credit profile, - Unauthorized inquiries, Despite submitting a well-documented and timely request, Equifax has not issued any response or resolution. More than 30 days have passedexceeding the timeframe required by law for a reasonable investigation and disclosure of results. This lack of response directly violates the FCRA and denies me my rights as a consumer. \nEquifaxs failure to investigate and correct these errors has caused significant harm to my credit reputation and restricted access to financial opportunities. Such negligence and disregard for federal compliance must be addressed. As supporting evidence, I have attached the following documents : a copy of my original dispute letter with Identity verification documents.","date_sent_to_company":"2025-08-06T19:47:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97213","tags":null,"has_narrative":true,"complaint_id":"15119463","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-06T19:42:18.000Z","state":"OR","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I submitted a comprehensive written dispute to <em>Equifax</em>, <em>formally</em> requesting an investigation into several inaccurate items listed on my credit <em>file</em>. My dispute included all required identity verification documents : Government-issued photo ID, Social <em>Security</em> card , and a recent utility bill confirming my current address."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.363114,"15119463"]},{"_index":"complaint-public-v1","_id":"16626761","_score":15.329798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Summary XXXX XXXX Date : XX/XX/year> Subject : Violations by Equifax Information Services, LLC under 15 U.S.C. 1681i, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), and 15 U.S.C. 1681o Including Breach of Consumer Data Security Obligations This complaint is submitted on behalf of XXXX XXXX XXXX, a consumer whose rights under federal law have been materially violated by Equifax Information Services, LLC through ( 1 ) the continued reporting, maintenance, and failure to properly reinvestigate inaccurate information on his credit file, and ( 2 ) the companys admitted failure to safeguard sensitive consumer data as evidenced by the well-documented Equifax data breach, which compromised the personal identifying information of o...\n\nPursuant to 15 U.S.C. 1681i, Equifax has a non-discretionary statutory duty to conduct a reasonable reinvestigation of any disputed item to determine its accuracy, completeness, and continued validity. Despite formal disputes submitted in accordance with the Fair Credit Reporting Act ( FCRA ), Equifax failed to comply with these federal mandates, neglected to verify the accuracy of disputed data, and continued to report unverifiable and erroneous information, in direct violation of f...\n\nFurthermore, the Equifax data breach reflects a pattern of negligent and reckless conduct toward consumer protection obligations. The companys failure to maintain proper data security controls constitutes both a breach of fiduciary and statutory duty, as it knowingly placed consumer identitiesincluding that of XXXX XXXX risk of unauthorized disclosure and financial harm. \nUnder XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), it is a prohibited act for any covered person or service provider to engage in or knowingly permit any unfair, deceptive, or abusive act or practice ( UDAAP ) in connection with a consumer financial product or service. XXXX conductcontinuing to furnish inaccurate data following notice of dispute and failing to protect the integrity of personal datameets this statutory definition of unfair and deceptive practices under federal law.\n\nAdditionally, 15 U.S.C. 1681o provides that any person or entity that negligently fails to comply with the requirements imposed under the FCRA is liable to the consumer for actual damages sustained, together with costs and reasonable attorneys fees. XXXX negligence in both data handling and statutory reinvestigation processes establishes full civil liability under this provision. \nAccordingly, this submission demands that the Consumer Financial Protection Bureau ( CFPB ) take enforcement action against Equifax Information Services , LLC, compel the immediate removal of unverifiable or inaccurate information, and impose full regulatory penalties for Equifaxs reckless disregard of consumer data security and statutory obligations under 15 U.S.C. 1681i, 15 U.S.C.\n\n1681o, and 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ).","date_sent_to_company":"2025-10-16T18:26:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"321XX","tags":null,"has_narrative":true,"complaint_id":"16626761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-16T18:08:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Accordingly, this submission demands that the Consumer Financial Protection Bureau ( CFPB ) take enforcement action <em>against</em> <em>Equifax</em> Information Services , LLC, compel the immediate removal of unverifiable or inaccurate information, and impose full regulatory penalties for <em>Equifaxs</em> reckless disregard of consumer data <em>security</em> and statutory obligations under 15 U.S.C. 1681i, 15 U.S.C.\n\n1681o, and 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B )."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.329798,"16626761"]},{"_index":"complaint-public-v1","_id":"11441737","_score":15.149994,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Equifax for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am filing a formal complaint against Equifax for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. Despite multiple dispute requests, documented evidence of identity theft, and legal obligations under the FCRA, Equifax refuses to remove fraudulent accounts and inquiries from my report. This negligence has caused severe financial and reputational harm. \nDetails of Complaint : 1. Failure to Remove Fraudulent Accounts * Equifax continues to report fraudulent accounts that do not belong to me, including but not limited to : * XXXX XXXX XXXX ( {$17000.00}, charged off ) Initially removed but reinstated without my authorization, violating FCRA 611 ( a ) ( 5 ) ( B ). \n* XXXX XXXX XXXX {$17000.00}, charged off ) Equifax has failed to provide any signed documentation linking this account to me. \n* XXXX XXXX ( {$13000.00}, auto loan ) This account was flagged as fraudulent per my identity theft report but has not been removed. \n* XXXX XXXX ( Multiple Accounts ) Incorrectly verified and certified without proof. \n2. Failure to Block Identity Theft Information as Required by Law * Under FCRA 605B, Equifax is required to block fraudulent accounts upon receipt of an identity theft report. I have provided : * FTC Identity Theft Report * Police Report * Proof of Identity ( Drivers License, Social Security Card, Utility Bill ) * Despite this, Equifax has refused to act on this legally sufficient evidence. \nXXXX. Failure to Provide Documentation Proving Account Ownership * Under FCRA XXXX, I have the right to request documentation that proves these accounts belong to me. Equifax has failed to provide such documentation, meaning they are reporting unverifiable accounts. \nXXXX. Unlawful Reinsertion of Deleted Accounts * Equifax previously removed XXXX XXXX XXXX but has now reinstated the account without valid certification, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ).\n\n5. Failure to Remove Unauthorized Inquiries * Equifax has reported multiple inquiries that I did not authorize, in violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before running credit inquiries. \n6. Refusal to Accept Valid Documentation * Equifax has refused to accept my FTC Identity Theft Report and police report as valid proof, despite federal laws that mandate their acceptance.\n\nRequested Resoluti\n\non : 1. Immediate and Permanent Removal of All Fraudulent Accounts. 2. Deletion of All Unauthorized Inquiries. 3. Correction of My Contact Information. 4. Full Compliance with the Fair Credit Reporting Act.\n\n5. Compensation of {$15000.00} for financial damages, lost opportunities, and emotional distress due to E\n\nquifaxs failure to comply with federal law. I demand immediate action from the CFPB to investigate Equifaxs continued non\n-compliance with federal regulations and take corrective action against them. If this issue is not addressed promptly, I will escalate my complaint further, including arbitration or legal proceedings. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-08T23:15:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11441737","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-08T22:58:22.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : <em>Formal</em> Complaint <em>Against</em> <em>Equifax</em> for FCRA Violations and Failure to Remove Fraudulent Accounts To Whom It May Concern, I am <em>filing</em> a <em>formal</em> complaint <em>against</em> <em>Equifax</em> for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent accounts on my credit report. Despite multiple dispute requests, documented evidence of identity theft, and legal obligations under the FCRA, <em>Equifax</em> refuses to remove fraudulent accounts and inquiries from my report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.149994,"11441737"]},{"_index":"complaint-public-v1","_id":"14915278","_score":14.838362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : THIRD NOTICE Equifax Ongoing FCRA 605B Violation Refusal to Block Fraudulent Inquiries After Identity Theft Report To the CFPB, This is now my third formal complaint against Equifax for blatant and willful violations of the Fair Credit Reporting Act, specifically 605B. Despite my fully compliant identity theft dispute originally submitted on XX/XX/XXXX and my follow-up complaint on XX/XX/XXXX Equifax continues to defy federal law by refusing to block the following unauthorized hard inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Let me be clear : these inquiries were made without my knowledge or authorization, and I have never applied for credit with these entities. My submission included everything required under 605B, including an FTC Identity Theft Report, government-issued photo ID, Social Security card , proof of current address, and my annotated credit report clearly identifying the fraudulent entries.\n\nEquifax has no legal right to delay or ignore my demand. Under FCRA 605B ( c ) ( 1 ), they are required to block all information resulting from identity theft within 4 business days of receiving a valid report. Theyve now had over 50 days to comply. Their continued failure is not negligence it's obstruction. \n\nIn their response dated XX/XX/XXXX, Equifax attempted to shift responsibility to me by stating that inquiries are \" a matter of fact '' and that I should contact the creditors directly. This is a complete misrepresentation of federal law. Under 605B ( c ) ( 3 ), Equifax is prohibited from contacting the furnishers or reinvestigating once a valid ID theft report has been submitted. Their deflection is not only irrelevant it's illegal.\n\nFurthermore, Equifax has violated : 605B ( a ) by failing to block the disputed inquiries 605B ( b ) by failing to provide written notice of refusal to block within 4 business days 605B ( c ) ( 3 ) by sidestepping their legal obligation and shifting the burden to the victim 607 ( a ) by continuing to knowingly report false information after formal notification This is systemic non-compliance. Equifax has been notified multiple times, and yet they continue to report false and damaging data that resulted from identity theft. At this point, I demand regulatory enforcement.\n\nRequested resolution : Immediate deletion of all disputed hard inquiries listed above from my Equifax credit report Full written confirmation that these inquiries have been blocked in accordance with 605B Public record of this CFPB complaint attached to Equifaxs response for noncompliance Monetary penalties and regulatory pressure applied to Equifax for repeated violations of consumer rights under the FCRA Let this serve as formal notice : if Equifax fails to take immediate corrective action, I will pursue escalation through legal counsel, file complaints with the FTC and state attorney general, and initiate civil litigation if necessary. I am done asking nicely.","date_sent_to_company":"2025-07-29T01:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34747","tags":null,"has_narrative":true,"complaint_id":"14915278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-29T01:13:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Subject : THIRD NOTICE <em>Equifax</em> Ongoing FCRA 605B Violation Refusal to Block Fraudulent Inquiries After Identity Theft Report To the CFPB, This is now my third <em>formal</em> complaint <em>against</em> <em>Equifax</em> for blatant and willful violations of the Fair Credit Reporting Act, specifically 605B."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.838362,"14915278"]},{"_index":"complaint-public-v1","_id":"11386139","_score":14.725344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal notice and demand for immediate corrective action regarding fraudulent and inaccurate information that continues to persist on my credit reports. Over the past XXXX years, I have filed numerous complaints with no resolution. The records unmistakably establish that I am a victim of fraudulent activity, yet the XXXX major credit bureausEquifax, XXXX, and XXXXhave  failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ). \n\nThe FCRA mandates that all credit bureaus investigate disputes and remove false or unverifiable information. Your continued failure to remove fraudulent entries is not only a breach of federal law but may also constitute willful negligence. The fraudulent conduct associated with my Social Security Number ( SSN ) dates back to when I was XXXX XXXX XXXXan irrefutable indicator of false information that no reasonable investigation could validate. This demonstrates a blatant disregard for your duty to investigate and verify the authenticity of the data reported under my name. \n\nMoreover, under the Identity Theft and Assumption Deterrence Act ( ITADA ), it is a federal crime to use personal information, such as an SSN, fraudulently to obtain credit or financial benefits. By failing to act on the evidence provided and validating false claims, your organizations are enabling, and potentially collaborating in, these illegal activities. This makes you complicit in the violations committed against my federal identification and credit file. \n\nIt is evident that the collections and accounts reported under my name are the result of gross negligence and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN. Each credit entry must be verified for authenticity, and all fraudulent or unverifiable information must be permanently removed from my credit reports. \n\nYour failure to address this matter to date has caused irreparable harm to my financial standing and mental well-being. I am prepared to escalate this issue further by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. If necessary, I will also pursue legal action to hold your organizations accountable for violating federal laws and regulations. \n\nI expect an acknowledgment of this demand within XXXX business days and a complete resolution within XXXX  days, as required by federal law. Any failure to comply will be regarded as a willful violation of the FCRA and ITADA, and I will have no choice but to seek damages to the fullest extent permitted by law. \n\nThis matter is of the utmost urgency, and I expect your full cooperation. \n\nSincerely, XXXX XXXX XXXX XX/XX/year> XXXX","date_sent_to_company":"2025-01-05T09:30:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80521","tags":"Servicemember","has_narrative":true,"complaint_id":"11386139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-05T09:30:26.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This makes you complicit in the violations committed <em>against</em> my federal identification and credit <em>file</em>. \n\nIt is evident that the collections and accounts reported under my name are the result of gross <em>negligence</em> and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN."]},"sort":[14.725344,"11386139"]},{"_index":"complaint-public-v1","_id":"11386369","_score":14.720325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This letter serves as a formal notice and demand for immediate corrective action regarding fraudulent and inaccurate information that continues to persist on my credit reports. Over the past XXXX years, I have filed numerous complaints with no resolution. The records unmistakably establish that I am a victim of fraudulent activity, yet the XXXX major credit bureausEquifax, Experian, and XXXXhave failed to meet their legal obligations under the Fair Credit Reporting Act ( FCRA ). \n\nThe FCRA mandates that all credit bureaus investigate disputes and remove false or unverifiable information. Your continued failure to remove fraudulent entries is not only a breach of federal law but may also constitute willful negligence. The fraudulent conduct associated with my Social Security Number ( SSN ) dates back to when I was XXXX XXXX XXXX irrefutable indicator of false information that no reasonable investigation could validate. This demonstrates a blatant disregard for your duty to investigate and verify the authenticity of the data reported under my name. \n\nMoreover, under the Identity Theft and Assumption Deterrence Act ( ITADA ), it is a federal crime to use personal information, such as an SSN, fraudulently to obtain credit or financial benefits. By failing to act on the evidence provided and validating false claims, your organizations are enabling, and potentially collaborating in, these illegal activities. This makes you complicit in the violations committed against my federal identification and credit file. \n\nIt is evident that the collections and accounts reported under my name are the result of gross negligence and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN. Each credit entry must be verified for authenticity, and all fraudulent or unverifiable information must be permanently removed from my credit reports. \n\nYour failure to address this matter to date has caused irreparable harm to my financial standing and mental well-being. I am prepared to escalate this issue further by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. If necessary, I will also pursue legal action to hold your organizations accountable for violating federal laws and regulations. \n\nI expect an acknowledgment of this demand within XXXX business days and a complete resolution within XXXX  days, as required by federal law. Any failure to comply will be regarded as a willful violation of the FCRA and XXXX, and I will have no choice but to seek damages to the fullest extent permitted by law. \n\nThis matter is of the utmost urgency, and I expect your full cooperation. \n\nSincerely, XXXX XXXX XXXX XX/XX/2025 XXXX","date_sent_to_company":"2025-01-05T09:30:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80521","tags":"Servicemember","has_narrative":true,"complaint_id":"11386369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-05T08:59:12.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This makes you complicit in the violations committed <em>against</em> my federal identification and credit <em>file</em>. \n\nIt is evident that the collections and accounts reported under my name are the result of gross <em>negligence</em> and a failure to properly investigate or prove that I knowingly or explicitly authorized any of the loans or accounts in question. I demand a comprehensive third-party investigation into all records associated with my SSN."]},"sort":[14.720325,"11386369"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":123,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":123}]}},"product":{"doc_count":123,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":111,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":111}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Debt 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