Product: Credit reporting or other personal consumer reports

CFPB Response to Equifax Failure to Remove XXXX XXXX Charged-Off Account & False Reporting Case Number : XXXX Consumer : XXXX XXXX Date : XX/XX/year> Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Subject : Equifaxs Failure to Remove the Charged-Off XXXX XXXX  Account & Continued Violation of FCRA and Secured Party Rights To Whom It May Concern, I am formally responding to Equifaxs failure to remove the charged-off account from my credit report, despite providing clear evidence that the account is no longer valid and should not be reported.

Equifaxs response is incomplete, misleading, and demonstrates blatant non-compliance with consumer protection laws. The XXXX XXXX account was rightfully removed, but Equifax has failed to delete the following disputed account : XXXX XXXX XXXX XXXX Account # XXXX ( Charge-Off Account ) This account must be permanently deleted as it meets the criteria for unlawful continued reporting under the Fair Credit Reporting Act ( FCRA ) and IRS regulations regarding charged-off debts. 

XXXX. XXXX Ongoing Violations of Consumer Protection Laws A. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.

1681s-2 ( a ) ( 1 ) Duty to Report Accurate Information Equifax has failed to remove false and misleading information that is materially harming my financial standing.

1681i ( a ) ( 5 ) ( B ) Prohibition on Re-Reporting Deleted Information If this account was previously disputed or removed, Equifax can not legally reinsert it without proper verification and consumer notification. 
1681b Permissible Purpose Requirement Equifax has no valid legal authority to continue reporting this information, as the charge-off is considered resolved under tax law.

B. IRS Tax Regulations on Charge-Off Accounts Under IRS regulations , once a debt is charged off, it is considered taxable income and no longer legally owed.

Equifaxs continued reporting of this debt as outstanding is misleading, deceptive, and constitutes willful misrepresentation. 

2. My Secured Party Rights Under UCC-1 Filing As a secured party creditor, I retain the legal right to control my financial data and prevent unauthorized reporting or sale of my private financial history.

Equifax has violated my secured party rights by continuing to advertise my alleged financial transactions to third parties without proper authorization. 
Equifax has no legal right to report, sell, or distribute my financial data without my explicit consent.

Under UCC Article 9, I maintain legal control over my financial information, and Equifaxs refusal to remove this account constitutes unauthorized use of my data for financial gain. 

3. Immediate Demands for Corrective Action Permanent Removal of the Following Charged-Off Account from My Credit Report : XXXX XXXX XXXX XXXX Account XXXX XXXX Written Confirmation from Equifax Stating That This Account Has Been Removed Permanently Cease & Desist from Selling My Personal Data to Credit Bureaus and Third Parties Without My Consent Full Compliance with the FCRA, IRS Regulations , and Secured Party Protections Under UCC-1 4 . Financial Compensation for Consumer Harm Due to Equifaxs willful violations and continued reporting of false information, I demand monetary compensation for damages : Actual Damages ( {$25000.00} - {$50000.00} ) Compensation for denied credit applications, financial harm, and emotional distress caused by Equifaxs negligent reporting practices.

Statutory Damages ( {$1000.00} per violation, up to {$10000.00} ) Compensation for each instance of non-compliance and continued reporting of disputed information.

Punitive Damages ( {$50000.00} - {$100000.00}, as determined by legal review ) Due to Equifaxs blatant disregard for federal laws and consumer rights.

Reimbursement for Legal & Administrative Costs ( {$5000.00} - {$10000.00} ) Covering legal fees, CFPB filings, and all costs incurred to dispute Equifaxs unlawful practices.

5. Next Steps If Equifax Fails to Comply If Equifax does not immediately remove this account and provide written confirmation, I will : File an additional complaint with the Federal Trade Commission ( FTC ) and New York Attorney General for regulatory enforcement. 
Pursue legal action against Equifax for FCRA violations, unauthorized reporting, and financial harm.

Publicly expose Equifaxs deceptive practices through legal forums and consumer advocacy organizations. 

Equifax has one final opportunity to correct this violation before further legal action is pursued.

6. Final Warning & Required Response Equifax must provide : Written confirmation that the XXXX XXXX XXXX XXXX charge-off account has been permanently removed.

A statement acknowledging compliance with federal law and my secured party rights under UCC-1.

A full compliance plan ensuring that no further unauthorized reporting of my information occurs.

Failure to comply within 15 days will result in escalated regulatory enforcement and legal proceedings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX XXXX