Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
UNITED STATES CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXXXXXX. 



COMPLAINT OF : XXXX XXXX XXXX v. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and EQUIFAX, EXPERIAN, TRANSUNION Respondents FORMAL COMPLAINT & REQUEST FOR ENFORCEMENT ACTION Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and 18 U.S.C. 894 ( Extortionate Credit Transactions ), I, XXXX XXXX, file this complaint against the above-listed Respondents for their willful, negligent, and continuing violations of federal law in connection with deceptive, inaccurate, and unauthorized reporting and collection activities. 



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. Equifax, Experian, and TransUnion Consumer Reporting Agencies II. BASIS FOR COMPLAINT This complaint arises from the continued reporting and collection of unauthorized, unverifiable, and misrepresented credit accounts following the submission of an official FTC Report Despite this, Respondents continue to engage in deceptive, unfair, and unlawful credit reporting and debt collection. 



III. STATEMENT OF FACTS 1. FTC Identity Theft Report Submitted : On record as of XXXX FTC Report # XXXX lists multiple accounts opened without my authorization. 

2. No 30-Day Notice of Negative Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX failed to send a written notice within 30 days of furnishing negative credit data, in violation of FCRA 623 ( a ) ( 7 ). 

3. Mislabeling Retail Installment Contracts as Auto Loans : XXXX and XXXX misrepresented retail installment contracts as auto loans, creating a false appearance of liability, violating FDCPA 1692e and FCRA 1681e ( b ). 

XXXX. XXXX XXXX XXXX Reporting Without Proof of Ownership : Cavalry continues to report a charged-off XXXX account with no chain of title or purchase agreementa violation of FCRA 1681s-2 ( b ) and FDCPA 1692g. 

XXXX. XXXX XXXX/ XXXX XXXX XXXX Without Contract : No evidence of authorization or contract supporting collection has ever been disclosed, making the debt inaccurate and unverifiable. 

XXXX. XXXX XXXX Reporting Account Without Consent : XXXX XXXX is reporting a credit card account I never applied for, with past-due amounts listed without prior validation or 30-day notice. 



IV. LEGAL CLAIMS Count I Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information known to be false or misleading.

Count II Violation of FCRA 1681s-2 ( a ) ( 7 ) : Failure to notify consumer within 30 days of furnishing negative information. 

Count III Violation of FCRA 1681s-2 ( b ) : Failure to properly investigate disputes or delete unverifiable accounts.

Count IV Violation of FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure accuracy.

Count V Violation of FDCPA 1692g ( b ) : Failure to cease collection activity after dispute until validation is provided. 

Count VI Violation of FDCPA 1692e ( 2 ) ( A ) : Misrepresentation of the character or amount of a debt.

Count VII Violation of 18 U.S.C. 894 : Attempted collection of debts using extortionate and unlawful methods, including pressuring payment on unvalidated and unauthorized accounts. 



V. RELIEF REQUESTED Complainant respectfully demands the following relief : 1. Immediate and permanent deletion of the following accounts from all credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX. Written confirmation from each Respondent and credit bureau that these accounts have been removed and will not be reinserted without full compliance under FCRA 1681a ( 5 ) ( B ). 
3. Enforcement action by the CFPB against any Respondent found to be in continued violation of federal consumer protection law.

4. A full investigation into the business practices of XXXX and XXXX regarding the classification of installment contracts as auto loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the FTC and Department of Justice for potential prosecution under 18 U.S.C. 894. 



Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief