Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX Experian / Equifax / TransUnion ( whichever applies ) Subject : Unauthorized and Unlawful Reporting of Debt Immediate Deletion Required To Whom It May Concern, I am formally disputing the inclusion of certain accounts on my consumer credit report that have been reported without my explicit consent, in violation of federal law. Specifically, these accounts appear to be collection accounts that have been placed on my credit file without my authorization, contradicting both federal consumer protection laws and an Executive Order signed by President Donald Trump.

Under this Executive Order, debt collection agencies can not legally furnish or report any derogatory information to Experian, Equifax, or TransUnion without first obtaining the explicit consent of the consumer. This measure was enacted to protect consumers from unlawful and harmful credit reporting practices, which have historically allowed debt collectors to damage consumer credit reports without substantiating their claims or obtaining proper authorization. 
# # # Violations of Federal Law & Consumer Rights 1. Unlawful Reporting Without Consumer Consent - The Executive Order explicitly prohibits debt collectors from furnishing data to credit bureaus without consumer approval. The lack of documented consent from me as the consumer invalidates any attempt to justify the reporting of this debt. 

XXXX. Failure to Provide Proof of Authorization & Verification - Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), I have the legal right to dispute any information that is inaccurate, unverifiable, or unauthorized. 
- As the furnisher of information, the collection agency is legally required to provide clear proof that I agreed to have this account reported. Failure to provide such documentation within the XXXX timeframe means this account must be deleted immediately. 
XXXX. Failure to Conduct a Proper Investigation - Per FCRA 1681i ( a ) ( 1 ) ( A ), Experian, Equifax, and TransUnion are required to conduct a reasonable reinvestigation of disputed accounts. 
- A proper investigation would require obtaining written consent from me, the consumer, explicitly allowing this debt to be reportedwhich does not exist. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Precedent - The CFPB has taken action against credit reporting agencies and collection agencies for failing to comply with federal regulations. 
- The lack of compliance with both FCRA provisions and the Executive Order places Experian, Equifax, and TransUnion in direct violation of consumer protection laws. 
# # # Immediate Action Required To resolve this matter in compliance with federal law, I demand that you : Immediately delete the unauthorized collection account ( XXXX ) from my credit report. 
Provide me with documented proof of my consent to have this debt reported. If no such proof exists, the account must be deleted immediately. 
Send a written confirmation that the account has been removed and a copy of my updated credit report reflecting the deletion. 
# # # Legal Notice & Intent to Pursue Remedies Failure to comply with this request within the statutory XXXX period will leave me with no alternative but to : File complaints with the CFPB, FTC, and my State Attorney Generals office regarding Experian/Equifax/TransUnions failure to comply with federal law. 
Initiate legal action for violations of the FCRA ( 15 U.S.C. 1681n and 1681o ) and seek damages for willful noncompliance. 
Pursue punitive damages for the reckless and harmful reporting of unverified and unauthorized information. 
This is your final notice. I expect full compliance within the legally mandated timeframe of 30 days from receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation