Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB COMPLAINT REQUEST FOR IMMEDIATE DELETION Respondent : XXXX XXXX XXXX Issue : Illegal collection activity, violation of ceaseanddesist, inaccurate furnishing, failure to validate, and FCRA/FDCPA violations Relief Requested : Immediate deletion of the XXXX XXXX XXXX tradeline from all consumer reporting agencies -- - 1. Summary of Violations XXXX XXXX XXXX is reporting a collection account opened XX/XX/XXXX with an alleged balance of {$3900.00}. XXXX is furnishing this account as open, individual responsibility, and collection account, despite : A written ceaseanddesist notice issued by me XXXX continued communication and collection activity after receiving that notice XXXX failure to provide validation XXXX continued reporting of inaccurate, incomplete, and misleading information These actions violate the FDCPA, FCRA, and multiple federal precedents. I am requesting immediate deletion of this tradeline. -- - 2. CeaseandDesist Violation ( FDCPA 1692c ( c ) ) I issued a written ceaseanddesist notice to XXXX XXXX XXXX instructing them to : Cease all communication Cease all collection activity Cease all credit reporting activity until validation is provided Despite this, XXXX : Continued furnishing the account Verified the account with credit bureaus Continued collection activity through credit reporting This is a direct violation of 15 U.S.C. 1692c ( c ), which requires a debt collector to cease all communication after receiving written notice. Federal courts have held : Fritz v. Resurgent Capital Services, 955 F. Supp. 2d 163 ( E.D.N.Y. 2013 ) Reporting to credit bureaus after a ceaseanddesist is continued collection activity. Camacho v. Bridgeport Fin., Inc. , 430 F.3d 1078 ( 9th Cir. 2005 ) Credit reporting is a form of collection activity. Purnell v. Arrow Fin. Servs., LLC , 303 F. Appx 297 ( 6th Cir. 2008 ) Furnishing disputed information after a ceasecommunication request violates the FDCPA. XXXX continued reporting after receiving my ceaseanddesist is unlawful. -- - 3. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) A. Failure to Validate Before Collection 1692g ( b ) XXXX continued reporting and verifying the alleged debt without providing validation. Federal precedent : Clark v. Capital Credit & Collection Servs., Inc. , 460 F.3d 1162 ( 9th Cir. 2006 ) All collection activity must stop until validation is provided. B. Continued Collection Activity After Dispute 1692g ( b ) XXXX verified the account with CRAs despite the dispute. Purnell v. Arrow Fin. Servs. Furnishing after dispute violates 1692g ( b ). -- - 4. FCRA Violations ( 15 U.S.C. 1681s2 ) A. Furnishing Inaccurate or Misleading Information 1681s2 ( a ) XXXX is reporting : An open collection account An unverified balance Incomplete and misleading tradeline data Federal precedent : Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) Incomplete or misleading information violates the FCRA. Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) Even technically accurate information can be unlawful if misleading. B. Failure to Conduct a Reasonable Investigation 1681s2 ( b ) XXXX verified the account without documentation. Federal precedent : Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) Furnishers must conduct a reasonable investigation. Hinkle v. Midland Credit Mgmt., 827 F.3d 1295 ( 11th Cir. 2016 ) Debt buyers must possess competent evidence before verifying. -- - 5. CFPB & FTC Enforcement Support CFPB v. Encore Capital Group ( 2015 & 2020 ) Debt buyers must stop reporting debts they can not substantiate. CFPB Bulletin 201309 Furnishers must not report information they can not verify. FTC v. Asset Acceptance ( 2012 ) Debt buyers must have documentation before reporting. XXXX conduct mirrors these violations. -- - 6. Harm to the Consumer XXXX unlawful reporting has caused : Lower credit scores Denial of credit opportunities Emotional and financial harm Inability to obtain favorable lending terms This harm is ongoing. -- - 7. Relief Requested I request that the CFPB : 1. Order XXXX XXXX XXXX to delete the tradeline immediately due to : Violation of ceaseanddesist ( FDCPA 1692c ( c ) ) Continued collection activity after dispute Failure to validate Inaccurate and misleading reporting Failure to conduct a reasonable investigation Violations of FDCPA 1692g ( b ) Violations of FCRA 1681s2 ( a ) and 1681s2 ( b ) 2. Require XXXX to provide competent evidence of the alleged debt or delete the account. 3. Investigate XXXX systemic noncompliance. -- - 8. Litigation Notice ( Professional, NonThreatening ) If these issues are not corrected, I will consider pursuing all available legal remedies, including civil action for statutory and actual damages. -- -

Company response to consumer: Closed with non-monetary relief