Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX RE : DEMAND FOR DELETION OF UNVERIFIED, INACCURATE, AND ILLEGALLY REPORTED ACCOUNTS To Whom It May Concern, This letter constitutes formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and notice of debt-collection violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

You are currently reporting the following accounts that are inaccurate, unverified, and unlawfully reported, causing ongoing and measurable harm to my consumer credit profile. 

DISPUTED ACCOUNTS XXXX XXXX  Acct XXXX Collection {$1600.00} XXXX Acct XXXX Collection {$5400.00} XXXX XXXX  Acct XXXX Collection {$1600.00} XXXX  Acct XXXX Auto Loan {$0.00} / {$5800.00} FDCPA VIOLATIONS ( 15 U.S.C. 1692 ) Your continued reporting of these accounts violates, but is not limited to : 1692g ( b ) Failure to provide proper debt validation after dispute while continuing to report 1692e False, deceptive, or misleading representations 1692f Unfair or unconscionable practices A bill, billing statement, payment history, balance summary, or system screenshot is NOT validation. 
Proper validation requires competent evidence, including : The original signed contract or application A complete chain of title proving lawful ownership Itemized accounting explaining how the balance was calculated Anything less fails FDCPA requirements.

FCRA VIOLATIONS ( 15 U.S.C. 1681 ) 611 ( a ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) Information that can not be verified must be deleted 623 ( b ) Furnishers duty to properly investigate disputes 1681e ( b ) Failure to ensure maximum possible accuracy Verification through XXXX or any automated system is expressly rejected and does not meet the legal standard of a reasonable reinvestigation. 

XXXX SOLD DEBT BUT CONTINUES REPORTING XXXX sold or assigned the alleged debt to a third party, yet continues to report negative information on my credit file. 

Once a debt is sold or transferred, XXXX no longer has standing to report : A balance A delinquency A derogatory status This constitutes : Inaccurate reporting under FCRA 1681e ( b ) False representation of creditor status under FDCPA 1692e Santander can not legally report a debt it no longer owns. Continued reporting is unlawful and must be deleted immediately. 

NO CONSENT / INVESTIGATION LIMITATIONS I do not consent to : e-OSCAR or automated verification systems Furnisher codes, summaries, or database confirmations Re-aged or recycled verification Bills or statements used as proof Any account marked verified using these methods is not legally verified. 

NOTICE OF FTC & CFPB COMPLAINTS FILED Please be advised that I have already filed formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding these matters. 

You are now on actual notice of federal regulatory review. Any continued reporting of unverified or inaccurate information after this notice constitutes willful noncompliance. 

FINAL DEMAND & NOTICE OF LIABILITY If you can not lawfully verify each disputed account with original, competent documentary evidence within 30 days, you are required by law to DELETE the accounts immediately and provide written confirmation. 

Failure to comply will result in : Additional CFPB escalation State Attorney General complaint FTC follow-up Preservation of evidence for civil liability under FCRA 616 & 617 Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief