Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
THIS IS A FORMAL COMPLAINT AND AN EXPLICIT DEMAND FOR IMMEDIATE REMOVAL OF ALL LISTED COLLECTION ACCOUNTS FROM MY CREDIT REPORTS DUE TO EGREGIOUS VIOLATIONS OF FEDERAL LAW. FAILURE TO COMPLY WILL RESULT IN IMMEDIATE LEGAL ACTION AND REGULATORY REFERRALS. 

Be advised that the following collection accounts appearing on my credit reports are inaccurate, unverified, and are being reported in direct violation of my rights under federal statutes. The continued reporting of these accounts constitutes willful misconduct and criminal fraud. 

ILLEGAL COLLECTION ACCOUNTS ( FDCPA 1692e ( 2 ) ( A ) / FCRA 1681s-2 ( b ) ) : DNF ASSOC ( Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL LAW VIOLATIONS AND NON-NEGOTIABLE DEMANDS : FAILURE TO VALIDATE DEBT ( 15 U.S.C. 1692g ( b ) - Fair Debt Collection Practices Act ) : Despite prior disputes and demands for validation, the collection agencies and credit reporting agencies have failed to provide any legally sufficient validation for these alleged debts. This includes, but is not limited to, the complete and utter failure to produce original wet-ink debt assignment contracts with notarized signatures, itemized statements demonstrating the alleged debt 's origin and calculation, and a verifiable chain of custody proving their legal right to collect. This constitutes a direct and ongoing violation of my rights under the FDCPA. 

FAILURE TO REASONABLY INVESTIGATE ( 15 U.S.C. 1681s-2 ( b ) - Fair Credit Reporting Act ) : The credit reporting agencies, upon receiving notice of these disputes, have demonstrably failed to conduct a reasonable investigation into the accuracy and validity of these accounts. Their continued reporting of unverified and disputed information is a blatant disregard of their obligations under the FCRA.

WILLFUL MISCONDUCT AND CRIMINAL FRAUD ( 18 U.S.C. 1001, 18 U.S.C. 1341 & 1343 ) : The persistent reporting of these unverified and unsubstantiated collection accounts, after explicit demands for validation and proof of wet-ink signed contracts, constitutes willful misconduct. Furthermore, the act of furnishing or maintaining false and misleading information on my credit report, or making false statements to federal agencies ( including the CFPB ) regarding these accounts, will be construed as criminal fraud under 18 U.S.C. 1001 ( False Statements ) and potentially 18 U.S.C. 1341 ( Mail Fraud ) and 1343 ( Wire Fraud ). Be advised that I will pursue all available remedies under these statutes. 

ULTIMATUM : I demand the IMMEDIATE AND PERMANENT DELETION of the XXXX XXXX and XXXX XXXX XXXX accounts ( including all associated trade lines and inquiries ) from ALL of my credit reports ( XXXX XXXX XXXX XXXX ). Suppression, re-aging, or the addition of dispute remarks are wholly unacceptable and will be considered a continued violation. 

BE FOREWARNED : Should these fraudulent and unverified accounts not be deleted from my credit reports within XXXX ( XXXX ) calendar days of this complaint 's submission, I will initiate immediate civil litigation against all responsible parties ( including the collection agencies and credit reporting agencies ), file formal bar complaints against any attorneys involved, and refer this matter for criminal investigation to the Federal Trade Commission ( FTC ), state attorneys general, and other relevant consumer protection agencies. I will pursue all available remedies under the FDCPA, FCRA, and other applicable consumer protection laws, seeking maximum statutory and actual damages, along with attorney 's fees and costs. 

This is my final notice and demand before escalating this matter through all available legal and regulatory channels.

Company response to consumer: Closed with explanation