Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Equifax for its willful non-compliance with federal rulings and repeated failure to remove an **unauthorized and unverified** account from my credit report. 

Equifax is the Only Credit Bureau Not Complying Both XXXX and XXXX have already **removed this account** from my credit report, acknowledging that it does not meet the legal requirements for reporting. **Equifax remains the only bureau refusing to comply**, despite multiple disputes and clear violations of the **Fair Credit Reporting Act ( FCRA ). ** **Details of the Disputed Account** - Creditor : Office of Attorney General - Equifax Account XXXX : XXXX Equifaxs Violations & Failure to Comply 1. **Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Duty to Provide Accurate Information** Equifax has repeatedly failed to ensure the **maximum accuracy** of the reported information regarding this account. This account is **inaccurate, unverifiable, and should not be reported. ** 2. **Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reinvestigation** I have disputed this account multiple times, yet Equifax has **willfully refused to conduct a proper investigation** and continues to report the account without providing validation. 

3. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose** Federal court rulings have confirmed that **delinquent child support obligations and statutory debts do not qualify as a permissible purpose for credit reporting. ** - The courts have ruled that these types of debts **do not arise from a credit transaction** and ** can not be reported unless** : - A **court order explicitly authorizes** the reporting. 
- The **consumer provides written consent** for the reporting. 
- The debt meets the legal definition of a **credit transaction**, which this does not. 
- **Equifax has failed to provide any of these requirements, making their reporting unlawful. ** 4. **Violation of 15 U.S.C. 1681c ( a ) ( 4 ) Obsolete Account Reporting** Federal law prohibits reporting **negative accounts past the statutory reporting period**. This account **should not be on my report** and must be removed immediately. 

5. **Violation of 15 U.S.C. 1681c-2 ( a ) Failure to Block Disputed Information** Under this statute, Equifax **must block and remove disputed information within four business days** if the account is unverifiable. **I have never received validation** proving the legitimacy of this debt. 

-- - **Federal Court Precedent Supporting Immediate Removal** Equifaxs continued reporting of this account contradicts XXXX*multiple federal rulings**, including : - **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  These cases **explicitly hold that non-credit debts, such as child support, do not give creditors or collectors a valid permissible purpose under the FCRA**. **Any continued reporting of this account is unlawful. ** -- - **Requested Resolution Remove This Account Within 4 Days** I formally request the **immediate deletion** of this Office of Attorney General account from my Equifax credit file **within four days** as required by federal law and supported by these federal court rulings. 

Failure to comply will result in : - **Formal litigation** for damages under **15 U.S.C. 1681n ( a ) **, which allows for **statutory damages of up to XXXX per violation**. 
- Filing complaints with the **Federal Trade Commission , the Consumer Financial Protection Bureau , and the U.S. Department of Justice** for non-compliance. 
- Potential **class-action litigation** if Equifax continues to systematically violate my consumer rights. 

This is my final notice before pursuing further legal action. 

Sincerely, XXXX XXXX XXXX XXXX ---

Company response to consumer: Closed with explanation