Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Via CFPB XXXX & XXXX Mail To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : XXXX XXXX CFPB File # : XXXX Respondent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : Unable to locate ( as stated by Respondent ) FORMAL REBUTTAL & DEMAND FOR VERIFICATION RESPONSE TO NOTICE OF INABILITY TO RESPOND Dear Consumer Financial Protection Bureau XXXX This letter serves as my formal rebuttal to the response submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX in which they claim they are unable to locate any account associated with me and therefore can not respond to my complaint. 

NMACs response is contradictory, legally insufficient, and raises serious compliance concerns under federal and state consumer protection laws. 



CONTRADICTION IN REPORTING If XXXX is unable to locate any account belonging to me, then : XXXX has no permissible purpose to furnish data in my name Any reporting to consumer reporting agencies is unverifiable and inaccurate Continued reporting constitutes false attribution of a consumer account An entity can not simultaneously claim an account does not exist while allowing information to be reported, verified, or maintained under a consumers credit file. 



LEGAL BURDEN OF RECORDKEEPING The burden to maintain accurate records rests solely with the furnisher, not the consumer. 

Federal law does not require a consumer to supply an account number or VIN in order for a furnisher to validate information they are actively furnishing or have previously furnished. 

Failure to locate records is not a valid defense under : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) Duty to furnish accurate information 15 U.S.C. 1681s-2 ( b ) Duty to investigate upon notice of dispute 15 U.S.C. 1681e ( b ) Maximum possible accuracy XXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX FAILURE TO PROVIDE VERIFICATION XXXX  has failed to provide : Proof of account ownership Original account documentation Evidence of consumer authorization Any records supporting the alleged tradeline Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted or corrected.

UCC NOTICE Pursuant to UCC 1-308, I reserve all rights without prejudice. 
Pursuant to UCC 3-309 and 3-403, no enforceable obligation exists without a valid instrument and proof of authorization. 

No such instrument has been produced. 



FORMAL DEMAND FOR RELIEF In light of XXXX  admission that it can not locate any account, I formally request the CFPB to require that : 1. Any XXXX-related tradeline be deleted immediately from all consumer reporting agencies, and 2. XXXX cease furnishing any data associated with my name unless and until lawful verification exists Failure to do so constitutes willful noncompliance, subjecting the furnisher to liability under 15 U.S.C. 1681n and 1681o. 



GOOD FAITH NOTICE This rebuttal is submitted in good faith to resolve the matter without further escalation. I do not consent to the continued reporting, verification, or reinsertion of unverifiable data. 



Respectfully, XXXX XXXX All Rights Reserved Without Prejudice UCC 1-308

Company response to consumer: Closed with explanation