Consumer complaint received 2025-06-03 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NM XXXX XXXX | ( XXXX ) XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Final Notice of Willful FCRA Violations Demand for Immediate and Permanent Deletion of XXXX XXXX XXXX Account XXXX XXXX To Whom It May Concern, This is a final notice. You are in continued violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove the XXXX XXXX XXXX Account # XXXX from my Equifax credit file, despite being in possession of sufficient documentation to confirm that this account was satisfied and closed in XXXX. Equifax has received multiple disputes supported by direct evidence. Your failure to take corrective action is no longer a matter of oversightit constitutes willful noncompliance. 

1. Account Was Legally Closed and Fully Satisfied in XXXX State Farm Insurance paid the bulk of the balance due to a total-loss vehicle claim. 

XXXX XXXX XXXX covered the remaining deficiency. 

As of XX/XX/XXXX, no balance was owed, and the account was closed. 

Violation : Reporting this account as open, past due, or in collections is knowingly false under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2.

2. False Status : Unpaid Balance Reported as a Loss by XXXX XXXX Equifax is reporting this account with the status : Unpaid balance reported as a loss by credit guarantor. This is false and misleading. 

The balance was fully satisfied in early XXXX : Primary payment made by XXXX XXXX XXXX. 

Remaining balance paid by XXXX XXXX XXXX. 

XXXX closed the account. No unpaid debt remained. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Reporting false status information.

FCRA 607 ( b ) and 611 ( a ) Failure to correct despite repeated notification. 

XXXX XXXX XXXX XXXX code XXXX is for guaranteed obligations resulting in actual loss to the guarantor. Thats not the case here. 

This mislabeling constitutes defamation by implication and materially harms my credit profile by falsely suggesting unresolved debt. 

3. FCRA 611 ( a ) Violation Unlawful Reinvestigations You have processed disputes without meaningful reinvestigation : Supporting documentation was submitted establishing full satisfaction of the debt. 

BMWs prior false verifications were accepted without independent review. 

Your most recent dispute response relied on a boilerplate denial. 

Precedents : XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX v. Experian, XXXX. XXXX XXXX had more than enough evidence to remove this tradeline. Your refusal to do so violates FCRA 611 ( a ) and triggers liability under XXXX. 

4. XXXX and XXXX XXXX XXXX is misreporting a last payment date after XXXX to extend the life of this negative account. 

Violations : FCRA 623 ( a ) ( 2 ) and ( a ) ( 5 ) Metro 2 Guidelines FAQ 45 New Mexico UPA NMSA 57-12-2 ( D ) 5. Concealed Verification Process FCRA 611 ( a ) ( 7 ) Violation You have ignored repeated requests to disclose : Who at XXXX verified this account. 

Any documents XXXX submitted. 

XXXX internal reinvestigation notes. 

Precedent : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) 6. Equifax Has Sufficient Evidence to Remove the Account Now Equifax has had multiple disputes, primary-source documentation, and full legal justification to delete this account. Continued reportingdespite that evidencemeets the threshold for willful noncompliance. 

7. Final Demands Deadline : XX/XX/XXXX Immediately delete XXXX Account # XXXX from all Equifax records. 
Disclose in writing : The name and credentials of the person who verified the account at XXXX. 
All documentation provided by XXXX. 
A full copy of XXXX internal reinvestigation findings. 
Send written confirmation of deletion to both my physical address and email. 
8. Failure to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Equifax fails to comply by XX/XX/XXXX, I will initiate the following : Federal litigation under FCRA XXXX, seeking {$3800.00} per violation, plus court costs and attorneys fees. 

State civil action under XXXX XXXX, seeking treble damages for deceptive trade practices. 

Formal complaints to the CFPB, FTC, and New Mexico Attorney General. 

Precedent : Cousin v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Courts penalize CRAs for knowingly reporting inaccurate accounts. 



9. Ongoing Violation Despite Formal CFPB Complaint Despite my filing a formal complaint through the Consumer Financial Protection Bureau ( CFPB ), Equifax continues to report this account inaccurately. Your refusal to remove or correct a clearly resolved and unverified tradeline, even after federal escalation, shows deliberate disregard for consumer protection laws. The continued presence of this accountmarked with a charge-off statusis now documented misconduct and qualifies as willful noncompliance under FCRA 611 and 616. 

This is not a request. 

This is a formal demand. Equifax has had ample opportunityand enough evidenceto correct this. Permanently delete this account or prepare to defend your position in court. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation