Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a natural living woman of the State of North Carolina, who is fully aware of my rights under both federal and state law. I am demanding the immediate deletion and permanent removal of all unverifiable, inaccurate, and unauthorized accounts and information reported by XXXX and XXXX XXXX XXXX. 

This includes, but is not limited to, the duplicate reporting of the same alleged debt by both the data furnisher ( XXXX XXXX XXXX  ) and the third-party collector ( XXXX ). There is no signed agreement, no legally binding contract, and no proof of validation that grants either party permission to report derogatory information to the credit bureaus. 

Additionally, I have attached proof that I filed an identity theft report concerning ProCollect, as I do not recognize the validity or origin of the alleged debt. 

Violations by Credit Reporting Agencies Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting duplicative, unverifiable, or unauthorized accounts is a violation.

15 U.S. Code 1681i ( a ) Upon dispute, CRAs are legally obligated to conduct a reasonable investigation and delete unverifiable information within 30 days. Failure to do so is actionable.

15 U.S. Code 1681s2 ( b ) Data furnishers must investigate disputes and report results back to CRAs. Negligent or willful failure to comply is a statutory violation. 

North Carolina Identity Theft Protection Act ( N.C. Gen. Stat. 7563 ) I have the right to place a security freeze or dispute unauthorized entries resulting from identity theft or unauthorized use of personal information.

Constitutional and Civil Rights Violated North Carolina Constitution Article I Section 19 No person shall be deprived of life liberty or property but by the law of the land. These inaccurate reports damage my property interest ( my credit reputation ) without due process.

U.S. Constitution 14th Amendment Section 1 No State shall deprive any person of life liberty or property without due process of law. These actions violate my due process rights by interfering with my credit and financial well being without valid cause or contract.

Supporting Case Law Cushman v. Trans Union Corp. 115 F.3d 220 ( 3rd Cir. 1997 ) The FCRA requires more than a superficial investigation. CRAs must do more than parrot the furnishers response.

Dennis v. BEH1 LLC 520 F.3d 1066 ( 9th Cir. 2008 ) Failure to remove inaccurate information after dispute is a clear violation of the FCRA.

Sarzynski v. Sears 310 F. Supp. 2d 722 ( N.D. Ill. 2004 ) Reporting agencies and furnishers may be jointly liable if they fail to correct inaccurate information upon notice.

Notice of Action I have formally denied the accuracy validity and authorization of these accounts. I am compiling evidence for litigation and placing all entities on notice.

These false reports have harmed my credit standing my financial stability and my peace of mind. If immediate deletion and correction are not made, I will proceed with legal action against TransUnion, Equifax, Experian, XXXX, XXXX XXXX XXXX, and any affiliated parties. 

I am invoking all rights under FCRA North Carolina XXXX XXXX XXXX XXXX U.S. Constitution North Carolina Constitution and any other applicable common or statutory law I reserve all rights without prejudice under UCC 1308

Company response to consumer: Closed with explanation