Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX, This email serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for inaccurate, incomplete, and inconsistent credit reporting concerning the alleged XXXX XXXX account ( XXXX ) furnished by XXXX XXXX XXXX XXXX. 



Reporting Inconsistencies XXXX  Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Past Due as of XX/XX/year> Status Updated : XX/XX/year> Balance Updated : XX/XX/year> Alleged Balance : {$220.00} ( current and original ) Equifax No record found. 
This omission constitutes incomplete reporting and a failure to maintain accuracy and parity among nationwide credit reporting agencies, violating 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

XXXX  Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Undisclosed Status Updated : XX/XX/year> Balance Updated : XX/XX/year> Alleged Balance : {$220.00} Violations The above discrepancies constitute violations of the following : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate and correct disputed data.

15 U.S.C. 1681s-2 ( b ) : Furnishing and verifying inaccurate or incomplete information.

15 U.S.C. 1692e & 1692f : False, misleading, or unfair representation of a debt by XXXX XXXX XXXX XXXX. 

The inconsistent statuses ( Past Due, Undisclosed, and missing entirely on Equifax ), along with differing update dates, demonstrate negligent and willful noncompliance with federal credit reporting standards. 



Formal Demands 1. Provide full Automated Consumer Dispute Verification ( ACDV ) responses for this account from all three credit bureaus and XXXX XXXX XXXX XXXX. 
2. Immediately delete all inaccurate, inconsistent, or omitted tradeline data.

3. Issue statutory compensation as detailed below. 



Statutory Damages and Fee Allocation Entity | Violations | Statutory Basis | Amount Owed XXXX  | 2 ( Inaccurate & inconsistent reporting ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} Equifax | 2 ( Omission of tradeline & failure to report consistent data ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} XXXX | 2 ( Inaccurate & undisclosed status reporting ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} XXXX XXXX XXXX XXXX | 2 ( False furnishing & deceptive collection practices ) | FDCPA 1692e, 1692f | {$2000.00} Total Due Immediately | {$8000.00} Please note that removal or correction of the disputed information after the violation does not cure or extinguish liability under 15 U.S.C. 1681n1681o and 1692k. Statutory damages for each violation are due and payable regardless of subsequent deletion. This communication constitutes formal notice that I will pursue full statutory recovery and attorneys fees if settlement is not reached within 10 business days.

Intent to Sue If I do not receive written confirmation of correction, XXXX XXXX, and payment of {$8000.00} within 10 business days ( by XX/XX/year> ), I will proceed with legal action in XXXX XXXX Court seeking : Statutory and actual damages ; Attorneys fees and court costs ; and Punitive damages under 15 U.S.C. 1681n ( b ) for willful noncompliance.

Company response to consumer: Closed with explanation