Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Urgent Complaint and Legal Demand for Permanent Removal of Inaccurate Repossession Account from Equifax Per Universal Commercial Code XXXX UCC XXXX Contents and Form of Notification Before Disposition of Collateral ( Consumer-Goods Transaction ) This section outlines what a creditor must include in the notice of sale when repossessing and disposing of consumer goods ( like a vehicle ). It ensures transparency and gives the debtor a fair chance to respond. 
Key Requirements : - Clear Notification : The creditor must provide a written notice that includes : - A description of the collateral - The time and method of sale ( public or private ) - The amount required to redeem the collateral - Contact information for further details - Right to Redeem : You must be told how much you need to pay to reclaim the vehicle before its sold. 
- XXXX XXXX : The notice must explain whether youll still owe money if the sale doesnt cover the full balance. 
- Standardized Form : The law even provides a sample notice format to ensure clarity and compliance. 

I am submitting this formal complaint regarding an inaccurate and unlawfully reported repossession account by XXXX XXXX XXXX XXXX, an auto loan for {$13000.00}, appearing only on my Equifax credit file. This account has already been removed from Experian and TransUnion, which acknowledges the validity of the dispute. XXXX continued reporting is unjustified and noncompliant. 

- This repossession is not accurately reported the post-sale deficiency was never updated or disclosed. 
- I was never properly notified or granted the right to redeem the vehicle, as required by law. 
- The account is marked as closed and charged off, yet these designations are misleading and harmful. 
- I have documented proof of its removal from the other XXXX credit bureaus. 
- XXXX failure to correct this error after multiple disputes constitutes a violation of multiple federal statutes. 
Legal Violations and Statutory Basis : FCRA 1681e ( b ) Maximum Accuracy Requirement Equifax must maintain reasonable procedures to assure the maximum possible accuracy of credit reports. Continued inclusion of disputed and inaccurate data violates this duty.

FCRA 1681i ( a ) ( 1 ) ( A ) Duty to Reinvestigate Consumers have the right to dispute information, and Equifax is legally required to conduct a good-faith reinvestigation. Failure to update or delete unverifiable information is illegal. 

FCRA 1681i ( a ) ( 5 ) ( A ) Removal and Reinsertion Safeguard If information is found to be inaccurate or unverifiable, it must be deleted and can not be reinserted without certification and consumer notice.

FCRA 1681s-2 ( b ) Furnishers Duty to Correct Errors The furnisher of this repossession data was notified of the dispute and failed to correct false information. Thats a direct violation of their legal responsibilities. 

FDCPA 1692e Prohibition Against Misrepresentation Misrepresenting the legal status or amount owed after auction, and failure to notify me of my redemption rights, breaches the Fair Debt Collection Practices Act. 
XXXX XXXX XXXX XXXX & XXXX Under the UCC, the secured XXXX ( lender ) must send notice of sale and provide an opportunity for redemption. No such notice was provided. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Credit reporting agencies must protect consumer data and ensure its integrity. Ongoing inaccurate reporting shows a failure in those obligations. 

Demand for XXXX : I am demanding the immediate and permanent deletion of this repossession account from my Equifax report. It must never be reinserted or reappear. This is a flagrant and repeated violation of consumer protection laws. Equifax has failed in its duty to maintain accuracy, respond to disputes, and protect my financial identity. 
Subject : Urgent Complaint and Legal Demand for Permanent Removal of Inaccurate Repossession Account from Equifax To Whom It XXXX Concern, I am submitting this formal complaint regarding an inaccurate and unlawfully reported repossession account appearing only on my Equifax credit file. This account has already been removed from Experian and TransUnion, which acknowledges the disputes validity. XXXX continued reporting is unjustified and noncompliant. 
XXXX XXXX : - This repossession is not accurately reported the post-sale deficiency was never updated or disclosed. 
- I was never properly notified or granted the right to redeem the vehicle, as required by law. 
- The account is marked as closed and charged off, yet these designations are misleading and harmful. 
- I have documented proof of its removal from the other XXXX credit bureaus. 
- XXXX failure to correct this error after multiple disputes constitutes a violation of multiple federal statutes. 
Legal Violations and Statutory Basis : FCRA 1681e ( b ) Maximum Accuracy Requirement Equifax must maintain reasonable procedures to assure the maximum possible accuracy of credit reports. Continued inclusion of disputed and inaccurate data violates this duty.

FCRA 1681i ( a ) ( 1 ) ( A ) Duty to Reinvestigate Consumers have the right to dispute information, and Equifax is legally required to conduct a good-faith reinvestigation. Failure to update or delete unverifiable information is illegal. 

FCRA 1681i ( a ) ( 5 ) ( A ) Removal and Reinsertion Safeguard If information is found to be inaccurate or unverifiable, it must be deleted and can not be reinserted without certification and consumer notice.

FCRA 1681s-2 ( b ) Furnishers Duty to Correct Errors The furnisher of this repossession data was notified of the dispute and failed to correct false information. Thats a direct violation of their legal responsibilities.

FDCPA 1692e Prohibition Against Misrepresentation Misrepresenting the legal status or amount owed after auction, and failure to notify me of my redemption rights, breaches the Fair Debt Collection Practices Act. 

XXXX XXXX XXXX XXXX & XXXX Under the UCC, the secured XXXX ( lender ) must send notice of sale and provide an opportunity for redemption. No such notice was provided. 

XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX ) Credit reporting agencies must protect consumer data and ensure its integrity ongoing inaccurate reporting shows a failure in those obligations. 

Demand for XXXX : I am demanding the immediate and permanent deletion of this repossession account from my Equifax report. It must never be reinserted or reappear. This is a flagrant and repeated violation of consumer protection laws. Equifax has failed in its duty to maintain accuracy, respond to disputes, and protect my financial identity. 
XXXX SSN - XXXX XXXX DOB XX/XX/year>

Company response to consumer: Closed with non-monetary relief