Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Everthing on my credit report I am filing this complaint because the credit reporting agencies ( Experian, Equifax, TransUnion, etc. ) have failed to lawfully verify or remove inaccurate, incomplete, or unauthorized information that I disputed in writing.

I sent a formal demand for verification and deletion under FCRA 609 ( a ), 611 ( a ), and 604, requesting full documentation including original signed contracts that support their reporting of certain accounts associated with my personal file and/or Social Security Number .

The agencies either failed to respond within the lawful 30-day timeframe, provided insufficient verification, or ignored my demand altogether. This is a violation of the Fair Credit Reporting Act, the Privacy Act, and potentially the U.S. Constitution regarding unauthorized use of private trust instruments.

I am demanding the deletion of any unverifiable or unlawful items, correction of my credit file, and a full investigation into the credit bureau ( s ) for willful noncompliance with federal law.

Their refusal to lawfully verify or delete these negative accounts is directly harming my creditworthiness and causing financial injury. I request the CFPB to hold the bureau ( s ) accountable and ensure these items are properly investigated and removed At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, Experian and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341 This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing of and any information to a credit reporting repository that could be inaccurate or invalidated.

If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.

809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 

Counter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) fails to provide VALIDATION and PROOF OF CLAIM within XXXX ( XXXX ) days ; ( b ) makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) the matter regarding the alleged debt is finally and totally settled ; and, ( h ) voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) voluntarily report the date of last activity on this account is the date of this notice.

Company response to consumer: Closed with explanation