Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Demand for Deletion of XXXX XXXX Information Due to Pending Litigation I am writing to formally request the deletion of any and all references to XXXX XXXX  from my credit file due to an ongoing legal dispute. I have initiated litigation against XXXX XXXX regarding a breach of contract, stemming from unauthorized contract modifications and the failure of XXXX XXXX to properly disclose optional products during the course of our business relationship. 
Details of the Situation : Creditor Name : XXXX XXXX Account Number : XXXX Nature of the Issue : On XX/XX/year> I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA and applied for an installment loan. After the approval process, I went to sign the contract via an electric device. The associate read over the various items of the contract and handed me the device when it was time for me to initial the specific line item. However, when the associate explained add-on insurances and services, she did not have me initial those specific agreements. The associate electronically initialed those agreements on my behalf without my permission. She also did not disclose that these items were optional. I did not agree to have these items added on : Single Life Insurance, Accidental and Health Insurance, Property Insurance and Involuntary Unemployment Insurance. XXXX XXXX of Louisiana performed multiple consumer rights violations against me. Because of this, the contract associated with Account # XXXX is null and void due to multiple breaches of contract. I first contacted XXXX XXXX about this issue on XX/XX/year> when I was looking through the contract for information related to my due date and interest rate. Once I noticed the optional add-ons that were added without my consent I contacted the local office that I took the loan out with. The representative told me that I did agree to these add-ons and she will have them removed. The company can simple review their cameras to verify my claims. I also have notarized statements from 2 other customers of XXXX XXXX that attest to this same situation happening to them. XXXX XXXX has some very deceitful practices and I no longer wish to do business with this company. This company has breached the contract that I signed with them by way of Unauthorized Contract Modification and Failure to Disclose Optional Products. My rights as a consumer were severely violated. 
In light of this unresolved legal matter, I am requesting that you immediately remove any and all references, negative or otherwise, related to XXXX XXXX from my credit report. The presence of these entries on my credit file, while the litigation is ongoing, is misleading and potentially damaging to my financial standing. 
Please confirm, in writing, that this action has been taken. Should you need further documentation regarding the legal proceedings, including a copy of the complaint filed with the court, I am happy to provide it upon request. 
Thank you for your prompt attention to this matter. I trust you will handle this request in accordance with applicable laws, including the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief