Consumer complaint received 2025-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX DateXXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Aggressive Notice of Dispute & Cease and Desist Invalid Collections Reporting, Improper Assignment, and Emotional Damages Dear Equifax Dispute Department , This letter serves as a formal and urgent dispute and cease-and-desist demand regarding multiple accounts erroneously listed on my Equifax credit file. These alleged debts have been sold or assigned to collection agencies without proper purchase agreements, proof of ownership, or validation, directly violating : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ) - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692g, and 1692j - Internal Revenue Code 6050I, regarding unverified financial transfers and improper reporting The continued publication of these inaccurate tradelines constitutes defamation of character, willful negligence, and emotional XXXX, resulting in measurable harm to my livelihood and reputation. I hereby demand that Equifax immediately cease reporting these unverifiable and illegitimate accounts pending full and lawful validation. 



My Legal Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Any other address listed on my report is unauthorized, inaccurate, and must be removed immediately. 



Disputed Accounts and Legal Basis for Removal Collection Agency | Original Creditor | Amount | Legal & Factual Basis for Deletion XXXX XXXX XXXX XXXX XXXX XXXX | {$4600.00} : No purchase agreement, no debt validation. Violates FCRA 623 ( a ) ( 8 ) & FDCPA 809 ( b ). Continued reporting = willful defamation & emotional XXXX. | XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} | No written contract, no proof of obligation. Violates FCRA 609 ( a ) ( 1 ) and FDCPA 807 ( 8 ). Reporting without validation = false representation of debt. 
XXXX XXXX XXXX XXXX | XXXX XXXX | {$5200.00} | Previously disputed & unresolved. Continued reporting violates FCRA 611 ( a ) ( 1 ) ( A ). No assignment or proof of debt sale provided. | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | {$2500.00} | No verification, medical debt requires HIPAA-compliant validation. Violates FCRA 623 ( a ) ( 5 ) and FDCPA 809 ( b ). 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  | {$1000.00} | Duplicate, unverifiable. Violates FDCPA 807 ( 2 ) ( A ). Emotional hardship documented. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | {$520.00} | No validation or ownership proof. Violates FCRA 611 and IRS 6050I. | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | {$1200.00} | Account sold without validation or borrower consent. Violates FDCPA 807 ( 10 ) and FCRA 623 ( b ). Causes ongoing emotional harm.

Demand for Action Under FCRA 611 ( a ) ( 1 ) ( A ), I demand that Equifax : 1.Immediately cease reporting the accounts above until validation is completed.

2. Delete all unverifiable, inaccurate, or duplicated items within 15 days of receipt.

3. Provide copies of all verification documents from the furnishers, including : - Signed original contracts or purchase agreements- Full chain of assignment/ownership transfer - Evidence of lawful debt sale or authority to collect Cease and Desist Order Under FDCPA 805 ( c ), you are hereby ordered to cease all reporting, re-aging, or reinsertion of these accounts without new and verified documentation. Any continued reporting of unvalidated data constitutes a willful violation under FCRA 616 and FDCPA 813, both of which permit civil damages and attorneys fees.

This letter serves as my formal first and final notice demanding immediate removal or full validation. Failure to comply will be considered intentional noncompliance and bad faith. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief