Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : FINAL DEMAND Factual Basis Dispute & E-OSCAR Deletion Orders This is my final factual dispute and deletion demand. Your repeated verified responses are reckless, negligent, and unlawful. You have failed to comply with your obligations under the Fair Credit Reporting Act ( FCRA ).

- 15 U.S.C. 1681ag establishes my consumer right to privacy and limits the purposes for which you may collect, maintain, and furnish information. - 15 U.S.C. 1681e ( b ) requires you to maintain maximum possible accuracy in consumer reports.

- 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) requires you to provide a clear, specific description of your reinvestigation procedures and results.

- 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct proper reinvestigations when notified of a dispute.

- FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

- UCC 9-610 through 9-628 govern the disposition of collateral, notice requirements, commercial reasonableness, application of proceeds, redemption rights, and secured party accountability. None of these requirements have been lawfully satisfied in relation to the accounts reported.

- UCC 9-611 requires notification before disposition of collateral ; no such proper notification exists in these accounts.

- UCC 9-613 outlines the contents of a compliant notification before collateral disposition ; again, no lawful compliance has been demonstrated.

As reinforced in Cushman v. TransUnion and Roberts v. Carter Young, parroting a furnishers response without independent reinvestigation is a direct violation of federal law.

Items Demanded for Immediate Deletion Public Records Bankruptcy - XXXX XXXX Bankruptcy Dismissed ( XX/XX/XXXX ) E-OSCAR XXXX - XXXX  XXXX Bankruptcy Discharged ( XX/XX/XXXX ) E-OSCAR 112 Duplicate/conflicting bankruptcies create a materially misleading file.

Collection & Charge-Off Accounts - XXXX XXXX XXXX XXXX # XXXX E-OSCAR XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX E-OSCAR XXXX - XXXX  # XXXX / XXXX E-OSCAR XXXX - XXXX XXXX XXXX # XXXX E-OSCAR XXXX - XXXX XXXX XXXX ( multiple ) E-OSCAR XXXX / XXXX - XXXXXXXX XXXX XXXX # XXXX XXXX XXXX - The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX E-OSCAR XXXX - XXXX XXXX XXXX # XXXX E-OSCAR A88 Unauthorized Inquiries Immediate Deletion Required Under 15 U.S.C. 1681b ( f ), a CRA may only report inquiries with a permissible purpose. These were never authorized and must be deleted. 
- Rocket Mortgage ( multiple XXXX XXXX ) E-OSCAR XXXX - XXXX XXXX / XXXX / XXXX  ( XXXX XXXX ) E-OSCAR XXXX - XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) E-OSCAR XXXX - XXXX ( XX/XX/XXXX ) E-OSCAR XXXX - XXXX XXXX  ( XX/XX/XXXX ) E-OSCAR XXXX - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) E-OSCAR XXXX - XXXX  XXXX ( XX/XX/XXXX, duplicate ) E-OSCAR XXXX No permissible purpose exists. These inquiries misrepresent my credit behavior and violate FCRA. 
Address Information Delete all addresses except : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AL XXXX E-OSCAR Code 182 Inaccurate Demographic Information Legal Liability Notice Failure to delete the above items will result in : - Formal complaints filed with CFPB, FTC, and State Attorney General - Civil action under 15 U.S.C. 1681n & 1681o ( statutory, actual, punitive damages ) - Claims under FDCPA 807, 808, 812 for false representation and unfair practices Mandatory Questions You Must Answer : - Where is your proof?

- What system did you access?

- Time and date of that access?

- How did you review the actual records?

You are hereby ordered to either : 1. DELETE all listed accounts, bankruptcies, inquiries, and addresses.

2. Provide full chain-of-title documentation, signed contracts, and permissible purpose letters for each inquiry.

Anything less is non-compliance.

DEMAND - DELETE all accounts, bankruptcies, and unauthorized inquiries.

- DELETE outdated addresses. 
- Provide written confirmation within XXXX  days. 
Failure to comply will trigger immediate escalation to federal litigation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief