Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Demand for Arbitration, XXXX XXXX XXXX XXXX Cease and Desist Violations of the Fair Credit Reporting Act To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this letter as my formal demand for arbitration pursuant to the Federal Arbitration Act ( 9 U.S.C. 116 ) and the arbitration clauses contained in your agreements. This also serves as a revocation of any claimed authority you or your affiliates assert over my personal information and as a demand to cease and desist unlawful use of my data. 
Despite repeated disputes spanning several years, your organizations have continued to allow inaccurate, incomplete, and unverified information to remain on my credit reports. My lawful requests for reinvestigation and correction have been ignored or inadequately addressed, in violation of your statutory obligations. 
This negligence has caused measurable harm, including : credit denials, higher interest rates, reputational damage, emotional distress, and health consequences due to ongoing stress. 
Violations of Federal Law Your conduct constitutes multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to : Willful violations ( 15 U.S.C. 1681n ) : Reckless disregard for accuracy and failure to reinvestigate disputes.

Negligent violations ( 15 U.S.C. 1681o ) : Failure to exercise reasonable care, directly resulting in financial and emotional harm.

15 U.S.C. 1681e ( b ) : Obligation to assure maximum possible accuracy of information.

15 U.S.C. 1681i : Requirement to conduct a reasonable reinvestigation when a consumer disputes information.

15 U.S.C. 1681b : Furnishing reports without a permissible purpose.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d and 1692e ), continued reporting and dissemination of invalid accounts and inquiries constitutes deceptive and abusive practices.

Revocation of Authority Effective immediately, I hereby revoke any implied or assumed authority your companies may claim over my personal identity or data. You are directed to cease and desist from any unauthorized : Collection, resale, or monetization of my data ; Storage or retention of inaccurate or disputed information beyond what is legally required ; Disclosure, transfer, or sale of my information to third parties without permissible purpose ; Use of my information for profiling, marketing, or financial instruments.

Items to Be Deleted Immediately The following accounts and inquiries are invalid, inaccurate, and unverified. I demand their permanent deletion from all of my credit files : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Relief Sought in Arbitration If compliance is not achieved within 30 days, I will proceed with arbitration and seek : Actual damages for financial and reputational harm ; Statutory damages of up to {$1000.00} per violation ( 15 U.S.C. 1681n, 1681o ) ; Punitive damages for willful misconduct ; Attorneys fees and costs ; Injunctive relief requiring the permanent deletion of the inaccurate and invalid items listed above. 
Final Notice Before Filing This letter serves as your final opportunity to comply before I escalate to arbitration and/or federal litigation. Unless I receive written confirmation of full compliance within thirty ( 30 ) days of your receipt of this notice, I will initiate arbitration proceedings without further notice.

Electronic Signature Clause Pursuant to the E-SIGN Act ( 15 U.S.C. 70017031 ) and the Uniform Electronic Transactions Act ( UETA ), my electronic signature below is legally binding and has the same force and effect as a handwritten signature. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> | Last XXXX of XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation