Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal and urgent complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding grossly inaccurate and illegally maintained tradelines currently being reported on my credit reports by the major credit bureaus. 

These accounts are riddled with false, misleading, and legally indefensible information and must be immediately deleted under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. ACCOUNTS IN DISPUTE : XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  2. Violations & Misconduct : These entities, along with the credit bureaus, have committed repeated and willful violations of multiple federal statutes : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable reinvestigation after receiving direct disputes.

15 U.S.C. 1681i ( a ) Re-aging and reporting outdated delinquency information without lawful justification.

15 U.S.C. 1681c ( a ) ( 4 ) Reporting obsolete data in violation of the 7-year rule.

15 U.S.C. 1692g ( b ) Failure to validate alleged debts upon request, a core FDCPA requirement.

15 U.S.C. 1692e ( 8 ) Communicating false or misleading credit information, including re-aged or sold accounts.

18 U.S.C. 1001 Knowingly furnishing false information to federal agencies.

18 U.S.C. 1341 & 1343 Mail and wire fraud in the transmission and reporting of unverifiable, inaccurate tradelines. 

3. Specific Violations Per Account : All four accounts contain incorrect balances and delinquencies that have been re-aged, a tactic used to manipulate credit scoring and extend derogatory reporting timelines.

Some are still marked open despite being sold or charged off, which is both false and deceptive. 

None of these furnishers have ever produced : Original, wet-ink signed contracts Itemized transaction records Complete chain of custody documentation Their failure to comply with multiple statutory requirements constitutes willful misconduct, consumer fraud, and reckless disregard for federal law.

4. DEMANDS : This is not a requestit is a legal DEMAND for the following immediate actions : Permanently DELETE these accounts from all credit reporting agencies ( Experian, Equifax, and TransUnion ) No dispute notations, no temporary suppressionsfull and permanent removal only. 

Provide formal confirmation that these tradelines have been erased in their entirety. 

Refer these entities for civil penalties and criminal investigation for willful violations and possible fraud. 

Launch a regulatory inquiry into the bureaus role in continuing to publish data they know to be false. 

5. CONSEQUENCES FOR NON-COMPLIANCE : Failure to act immediately will trigger the following actions : Filing of civil litigation in federal court under FCRA and FDCPA Submission of formal complaints to the FTC, State Attorney General, and State Bar ( if attorney involvement is suspected ) Pursuit of punitive damages, injunctive relief, and class-action participation if applicable Demand for {$1000.00} per violation under FCRA, plus actual and punitive damages for willful misconduct 6. FINAL NOTICE : You are officially notified that continued publication of these accounts will be interpreted as willful and malicious misconduct. This is your last opportunity to comply before legal escalation begins.

Respectfully,

Company response to consumer: Closed with non-monetary relief