Consumer complaint received 2026-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Re : Formal Demand for Deletion of Improper Child Support Reporting, Notice of FCRA Violations, Conflicting Reporting Practices, and Preservation of Evidence This correspondence serves as a formal demand for immediate deletion of the child support tradeline currently being reported on my consumer credit file by Equifax. The reporting of this account is inaccurate, misleading, obsolete, and in violation of multiple provisions of the federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as related consumer protection obligations. The account at issue has remained on my Equifax consumer report for more than seven ( 7 ) years and three ( 3 ) months. Although Equifax attempted to merely mark or classify the account as closed, that action does not cure the underlying reporting violations. I do not consent to continued reporting of this tradeline in any form, including as a closed account, and I specifically demand complete deletion from my consumer file. Despite disputes submitted regarding the accuracy, completeness, and legal reporting status of this account, Equifax has continued furnishing damaging and misleading information while failing to conduct a lawful and reasonable reinvestigation. Specifically, Equifax has failed to : * Properly investigate disputed information as required under 15 U.S.C. 1681i ; * Maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) ; * Correct or delete inaccurate, unverifiable, or obsolete information; * Provide complete and accurate reporting regarding payment history and account status ; * Ensure that continued reporting complies with federal consumer protection standards and fair furnishing requirements. Additionally, the reporting of this account appears materially misleading because the payment history is incomplete, inconsistent, stale, or non-updated, creating a false and damaging impression regarding the status of the alleged obligation. Reporting information in a manner that is technically incomplete or materially misleading may constitute inaccurate reporting under the FCRA. Further, any state practices, agency policies, internal procedures, or reporting customs that conflict with the protections guaranteed under the FCRA are preempted by federal law pursuant to 15 U.S.C. 1681t. Federal law supersedes any inconsistent state action or furnishing practice that permits inaccurate, misleading, unverifiable, or unlawfully prolonged credit reporting. To the extent the Ohio child support enforcement authorities, contractors, or affiliated agencies are furnishing information in a manner inconsistent with the FCRA, such conduct may violate : * 15 U.S.C. 1681s-2 ( a ) Duty to provide accurate information; * 15 U.S.C. 1681s-2 ( b ) Duty to conduct reasonable investigation after notice of dispute ; * 15 U.S.C. 1681e ( b ) Requirement to follow reasonable procedures to assure maximum possible accuracy; * 15 U.S.C. 1681i Requirement to reinvestigate disputed information; * 15 U.S.C. 1681n Civil liability for willful noncompliance; * 15 U.S.C. 1681o Civil liability for negligent noncompliance; * 15 U.S.C. 1681t Federal preemption of inconsistent state laws and practices. Additionally, any attempt to continue reporting inaccurate or obsolete information under color of state authority may implicate constitutional due process concerns under the Fourteenth Amendment where inaccurate reporting results in continuing financial harm, reputational damage, denial of credit opportunities, or improper collection activity. To the extent wage garnishment or collection activity continued improperly after XX/XX/year> without accurate accounting, lawful verification, or proper adjustment, such conduct further supports the existence of inaccurate furnishing and potential statutory violations requiring judicial review. You are hereby placed on notice to preserve all records related to this account, including but not limited to : * Consumer disclosures; * Dispute records ; * XXXX communications ; * Furnisher verification records; * Internal notes ; * Payment histories; * Audit trails; * Methods of verification ; * Furnisher correspondence ; * Metadata associated with reinvestigations. Failure to preserve such evidence after receipt of this notice may constitute spoliation of evidence. Accordingly, I demand the following within thirty ( 30 ) days of receipt of this letter : 1. Immediate deletion of the disputed child support tradeline from my Equifax consumer report ; 2. Written confirmation of deletion ; 3. A complete description of all investigative procedures used regarding my disputes ; 4. Identification of every furnisher, employee, contractor, or third party involved in verification of the account ; 5. Copies of all records relied upon to continue reporting this information. Should Equifax fail to comply, I am prepared to pursue all available remedies, including : * Filing and supplementing complaints with the Consumer Financial Protection Bureau; * Seeking review by state and federal regulatory authorities; * Pursuing claims for statutory, actual, and punitive damages; * Seeking attorneys fees and costs where applicable; * Initiating litigation for willful and negligent noncompliance under the FCRA and other applicable laws. Nothing in this notice constitutes a waiver of any rights, claims, remedies, or causes of action, all of which are expressly reserved.

Company response to consumer: Closed with explanation