Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
Affidavit of Factual Inaccuracy and Demand for Deletion Pursuant to 15 U.S.C 1681c ( b ), 1681s-2 ( b ), 1681i- Executed Under 28 U.S.C.

1746 AFFIDAVIT OF FACTUAL INACCURACY AND DEMAND FOR PERMANENT DELETION I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, Mo, XXXX, being over the age of XXXX and competent to testify to the facts stated herein, do hereby swear and affirm under penalty of perjury : XXXX. ) I am subject of a consumer credit report on which several accounts have reported a tradeline. 

2. ) I affirm that this account was previously charged off and sold to a third party. 

debt buyer or collection agency, I no longer owe the original creditor any balance on this account, and the companies listed have relinquished all ownership and legal interest in the debt. 

3. ) Despite this, the companies listed continue to report a current balance and/or derogatory status on my consumer reporting agencies ( Equifax, XXXX XXXX XXXX  ) XXXX which is factually inaccurate and legally improper. 

4. ) This ongoing reporting is In violation of 15 U.S.C.

1681c ( b ) for failure to maintain maximum possible accuracy : In violation of 15 U.S.C.

1681 s 2 ( b ) for failing to update or correct information after being notified of inaccuracy.

In violation of 15 U.S.C.

1681i, as your failure to reasonably investigate and remedy this reporting suppresses my creditworthiness 5. ) Furthermore, this reporting is non-compliant with Metro 2 CDIA standards, which mandate : Field 17A ( Account Status ) reflects * * Sold to Another Lender * * : Field 21 ( Balance ) shows {$0.00} : Field 11 ( Special Comment Code ) report * * AU * * for * * Account Purchased by Another Lender * * : 6. ) The list of creditors is deliberately misrepresenting the account status, which has materially damaged my FICO score, harmed my creditworthiness, and resulted in denied credit opportunities. 

7. ) The following accounts are also factually inaccurate, fraudulently opened, or improperly reported and are included in this affidavit for demand of permanent deletion : XXXX XXXX XXXX Account numbers : XXXX, XXXX XXXX XXXXXXXX Account number : XXXX ( Sold To : XXXX XXXX XXXX XXXX Extra Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account numbers : XXXX, XXXX XXXX XXXX Account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX Esurance ( An XXXX Company ) Sold XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Sold To : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Sold To : XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Sold To : XXXX & XXXX Account number : XXXX FTC FRAUD REPORT & GOVERNMENT OVERSIGHT Be advised that I have filed a formal fraud complaint with the Federal Trade Commission ( FTC ) XXXX 

Your failure to correct the tradeline after divestment of the debt creates the false appearance of a financial obligation and constitutes a material misrepresentation on a federally regulated report. This is an unfair and deceptive trade practice under state and federal law. 



FINAL DEMAND & NOTICE OF PENDING CIVIL ACTION You are hereby given FINAL LEGAL NOTICE and formal demand to immediately : Permanently delete the tradelines from all consumer reporting agencies ( XXXX, Equifax, XXXX ), Or Update the tradelines in strict compliance with FCRA and Metro 2 standards, reflecting a {$0.00} balance, SOLD status, and removal of all derogatory remarks. 

Failure to comply within fifteen ( 15 ) days of receipt of this affidavit will result in immediate legal action without further notice. I am fully prepared to file a lawsuit against all companies listed for : Willful and negligent violation of the Fair Credit Reporting Act ( FCRA ) UNDER 15 U.S.C 1681a & 1681c. 

Actual damages, statutory damages, punitive damages and Attorneys fees and costs as provided by law. 



This affidavit shall serve as formal legal evidence of your knowledge and continued misconduct and will be submitted in court filings as an exhibit in any civil action initiated. 





Executed on this XXXXXXXX XXXX XXXX XXXXXX/XX/year> Under penalty of perjury under the laws of the United States of America

Company response to consumer: Closed with non-monetary relief