Consumer complaint received 2026-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Document 1 : Master Notice of Non-Compliance To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CC : XXXX XXXX, XXXX. ( Counsel for XXXX ) Date : XX/XX/XXXX RE : RESPONSE TO FRIVOLOUS LEGAL CLAIMS/ LOAN ID : XXXX To the Compliance Department : I am in receipt of your correspondence dated XX/XX/XXXX. Your assertion that dental financing is not " medical debt '' under California SB 1061 is a bad-faith misinterpretation of the law.

Medical Debt Definition : Under CA Civil Code 1785.27, medical debt is defined as debt " arising from XXXX XXXX XXXX. '' XXXX XXXX is a XXXX XXXX XXXX. Your attempt to re-characterize this as a " consumer installment loan '' to bypass the reporting ban is a deceptive practice. 
Holder Rule Liability : Your claim that you " do not participate in the delivery of services '' is precisely why the FTC Holder Rule ( 16 C.F.R. 433 ) existsto ensure the lender bears the risk of the merchant 's defective performance.

FCBA Violation : You are currently in violation of 15 U.S.C. 1666a by threatening to report a debt that is subject to an active, unresolved billing error dispute.

Final Warning : Any reporting of this void and disputed medical debt to Equifax , XXXX, or XXXX  will be treated as a willful violation of the FCRA and SB 1061. 
Sincerely, XXXX XXXX Document 2 : Consolidated Dispute ( For CFPB, Equifax , XXXX, and XXXX  ) Subject : FORMAL DISPUTE OF VOID MEDICAL DEBT & FCBA VIOLATION Consumer : XXXX XXXX | Loan ID : XXXX Furnisher XXXX XXXX XXXX XXXX XXXX XXXXo the Credit Reporting Agency and CFPB : I am filing this formal dispute and complaint against the above-named furnisher and the Credit Reporting Agencies for the continued reporting of a void and disputed medical debt.

1. Violation of California SB 1061 : I am a California resident. The debt in question is for dental services XXXX XXXX XXXX XXXX ). Under California Civil Code 1785.27, this medical debt is prohibited from appearing on my credit report. Furthermore, because XXXX XXXX furnished this information in violation of the reporting ban, the debt is now void and unenforceable per Section 1785.27 ( d ).

2. Violation of the Fair Credit Billing Act ( FCBA ) : This account has been in a formal billing error dispute since XX/XX/XXXX. Under 15 U.S.C. 1666a, neither the furnisher nor the bureau may report the account as delinquent while the dispute is pending. XXXX XXXX has admitted in writing that they intend to ignore this federal mandate. 
3. FTC Holder Rule Defense : The services provided by XXXX XXXX XXXX were defective. Pursuant to 16 C.F.R. 433, I have a legal defense to payment that is valid against the holder. Reporting a balance on a debt where a legal defense to payment exists is a violation of the FCRAs " Maximum Possible Accuracy '' requirement.

Requested Resolution : I demand the immediate and permanent suppression and deletion of this tradeline from my credit file. I have provided the furnisher with a Notice of Intent to XXXX and a Sworn Affidavit of these facts.

Company response to consumer: Closed with non-monetary relief