Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
CFPB COMPLAINT UPDATE TO COMPLAINT XXXX XXXXXXXX Submission of Identity Verification and Supplemental Legal Clarification I am submitting this update concurrently with my government-issued identification and proof of address, as requested. 
This submission does not withdraw, waive, or modify my original complaint. It supplements the record and clarifies the factual and legal deficiencies underlying the reported child-support tradeline. 
Basis of Dispute No Lawful Foundation for Reporting The child-support account attributed to me and furnished by the Tennessee Department of Human Services ( TDHS ), and published by XXXX  Equifax, and XXXX XXXX inaccurate and unauthorized because it lacks any lawful basis establishing responsibility. 
Specifically : 1. No Proof of Service I was never served with any summons, notice, or process initiating jurisdiction over me for the alleged obligation.

Without service of process, no enforceable obligation can lawfully attach.

2. No Paternity Determination There has been no paternity test, judicial finding, or legally admissible determination establishing parentage.

Absent a lawful paternity determination, attribution of a child-support obligation to me is factually inaccurate.

3. No Adjudication or Order There is no court order, judgment, or administrative adjudication establishing that I owe the alleged obligation.

An unadjudicated allegation does not constitute a reportable consumer obligation.

4. No Consent or Voluntary Assumption I never consented to, agreed to, or voluntarily assumed any child-support obligation.

There is no contract, agreement, or lawful acceptance establishing liability.

Violations of Federal Law Because the account lacks proof of service, jurisdiction, adjudication, and paternity determination, its continued reporting violates the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after notice of dispute 15 U.S.C. 1681s-2 ( b ) Furnishers failure to investigate and correct inaccurate information 15 U.S.C. 1681b ( a ) Lack of permissible purpose to furnish consumer data absent lawful authority Clarification of Statutory Timelines This dispute is governed by the Fair Credit Reporting Act, not administrative timelines.

Under 15 U.S.C. 1681i ( a ) : A consumer reporting agency must complete a reasonable reinvestigation within 30 days of receipt of a dispute.

The period may extend to 45 days only if the consumer submits additional information.

There is no 60-day reinvestigation period authorized under the FCRA.

Any continued publication of disputed information beyond the statutory 3045 day period without correction or deletion constitutes noncompliance.

Requested Resolution I respectfully request that the CFPB require the following corrective actions : Immediate deletion of the disputed tradeline from all consumer reporting agencies unless TDHS produces lawful proof of : Service of process Jurisdiction Paternity determination Adjudication or enforceable order Written confirmation that XXXX  and the furnishers have complied with FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ).

Assurance that no further reporting will occur absent lawful authority.

Statement of Good Faith This dispute is submitted in good faith. I am not refusing lawful obligations ; I am objecting to the continued publication of an alleged obligation that has never been legally established.

Company response to consumer: Closed with explanation