Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
RE : Final Demand for Deletion of Fraudulent and Unverified Child Support Reporting FCRA, FDCPA, Privacy, and Civil Rights Violations To Whom It May Concern : This letter serves as a final legal demand for the immediate deletion of the fraudulent and unverified credit entry labeled ATTORNEY GENERAL CHILD SUPPORT from my consumer credit file. This item was previously disputed and remains improperly reported by your agency, in violation of multiple federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the XXXX Constitution, and now, federal and state privacy statutes. 

Despite my dispute citing clear legal groundsincluding due process violations, misclassification, and lack of judicial verificationyou have issued a generic response without any legal justification or supporting documentation. Your continued publication of this harmful and inaccurate entry constitutes willful noncompliance. 

1. CHILD SUPPORT IS NOT A LOAN, DEBT, OR CONSUMER CREDIT Child support obligations are not commercial debts or consumer loans. No creditor-debtor relationship exists between me and the State of Texas. Reporting such an item as a loan or delinquent account is both factually false and legally misleading, violating 15 U.S.C. 1681e ( b ).

2. NO VALID ASSIGNMENT OF RIGHTS EXISTS The State has no legal authority to claim or collect any amount unless there is a valid assignment of rights ( typically through public assistance programs such as TANF ). I assert that no such assignment exists and demand proof thereof. Without a legally binding assignment, the state lacks standing to report this entry as a debt.

3. VIOLATION OF DUE PROCESS 14TH AMENDMENT Per Turner v. Rogers, 564 U.S. 431 ( 2011 ), procedural due process is required in child support enforcement. No court ruling, judicial hearing, or certified judgment has validated the amount in question. Reporting this amount prior to due process is unconstitutional and unlawful.

4. MISCLASSIFICATION VIOLATION OF 15 U.S.C. 1681e ( b ) This entry has been misclassified as a personal loan or delinquent account, which it is not. The mischaracterization affects my creditworthiness and constitutes a willful violation of the FCRAs accuracy standards.

5. VIOLATION OF PRIVACY RIGHTS UNAUTHORIZED DISCLOSURE Reporting private legal obligations not classified as debtparticularly those arising from family court proceedingswithout judicial certification or consumer consent, constitutes a gross invasion of privacy. Your agency is unlawfully exposing sensitive, non-credit-related information to third parties, damaging my reputation and violating both common law privacy rights and federal regulatory standards.

6. CIVIL RIGHTS VIOLATIONS 42 U.S.C. 1983 Your agencys continued publication of this itemwithout court adjudication or verified legal authorityconstitutes action under color of law resulting in the deprivation of constitutional rights, including due process and informational privacy. This is actionable under 42 U.S.C. 1983 and supports claims for monetary and injunctive relief.

7. NOTICE OF FEDERAL LAWSUIT AND ADDITIONAL LEGAL ACTION Note : There has already been a lawsuit filed in U.S. District Court Western District of Texas concerning this matter against the Child Support Agency ( Case No. 1:25-cv-00419-ADA ). This legal action directly addresses the unconstitutional and unlawful nature of the alleged debt.

If this matter is not resolved immediately, I will initiate separate legal action against your company in federal court for your independent violations of the FCRA, civil rights statutes, and privacy laws. I take this matter very seriously and have compiled detailed records of all disputes and correspondence.

TransUnion has already removed this entry in acknowledgment of its invalidity. Your refusal to do the same constitutes willful noncompliance, for which you will be held accountable.

DEMAND FOR COMPLIANCE Under 15 U.S.C. 1681i and 1681e, I hereby demand : 1. Immediate deletion of the Attorney General Child Support entry from my credit file ; 2. Written confirmation of deletion to all consumer reporting agencies and recipients ; 3. Production of all documents used to verify this account, including court orders, certified judgments, and valid assignment of rights.

NOTICE OF ESCALATION Failure to comply within fifteen ( 15 ) calendar days will result in the following : Filing a separate civil complaint in federal court against your company ; Reporting to the CFPB, FTC, and State Attorney General for regulatory action ; Pursuing statutory, actual, and punitive damages, along with attorneys fees and injunctive relief under applicable law. 

This is your final opportunity to correct your violations and avoid federal litigation.

Company response to consumer: Closed with non-monetary relief