Consumer complaint received 2025-05-30 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:
AFFIDAVIT OF NON-CONSENT, NOTICE OF DISPUTE, AND DEMAND TO CEASE & DESIST XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Non-Domestic, Without the U.S., Zip Exempt Date : XX/XX/year> To : XXXXXXXX XXXX XXXX Servicing Equifax XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) RE : Dispute of Alleged Student Loan Nelnet/Sloan CLOSED AND TRANSFERRED REPORTING DEMAND FOR REMOVAL NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

I, XXXX XXXX XXXX, a living woman, appearing XXXX XXXX and by Special Appearance only, hereby issue this Affidavit of Fact under penalty of perjury pursuant to XXXX XXXX. XXXX and XXXX XXXX : XXXX. I have never knowingly or voluntarily entered into a binding agreement or contract with XXXX XXXX. 
XXXX. I have never received any Notice of Transfer, Assignment, or Disclosure from XXXX or XXXX regarding the transfer of my student loan. 
XXXX. XXXX XXXX has provided written confirmation that they are unable to verify or locate any such account related to me. 
XXXX. My credit reports currently reflect a closed account labeled Transferred by XXXX, with derogatory late marks and no indication of where it was transferred this is inaccurate, unverifiable, and misleading. 
XXXX. This constitutes reporting in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX et seq ) and Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1XXXX et seq ), due to : - Lack of debt validation under Section XXXX of FDCPA ; - Continued reporting without verifiable documentation ; - Absence of lawful contract and full disclosure ; - Inaccurate and incomplete information furnished to the credit bureaus. 
XXXX. Additionally, I currently receive XXXX and XXXX benefits under a federal hardship status. Under FCRA guidelines, creditors are prohibited from continuing derogatory reporting on individuals under financial assistance protection and inability-to-pay classifications. 

Be advised that I am fully aware of the ongoing federal class action lawsuits filed against XXXX and XXXX for fraudulent billing practices, inaccurate payment processing, and unauthorized account transfers. I never consented to the transfer or sale of my loan to XXXX XXXX, nor have I received any verifiable wet ink contract binding me to that entity. Pursuant to U.S. CXXXXe Title 15 XXXXg, 15 U.S. CXXXXe XXXX, and Public Law XXXX ( XXXX ), you are now on legal notice of consumer fraud and deceptive servicing violations. As affirmed in Blacks Law Dictionary, fraud vitiates all contracts making any such debt unenforceable and its reporting unlawful. I hereby revoke and rescind all presumed agreements, and I demand the full and permanent deletion of any and all negative credit reporting, including the transfer history, late remarks, and closed derogatory tradelines associated with this account. 



As a Secured Party Creditor, XXXX XXXX, receiving public assistance under XXXX and XXXX, I lawfully assert that reporting delinquent tradelines while I am under legally recognized economic hardship violates FCRA XXXX ( b ) and XXXX XXXX CXXXXe XXXX ( a ) ( XXXX ) ( A ) ( XXXX ). This constitutes discriminatory and predatory conduct. I am issuing this Cease and Desist under XXXX XXXX, reserving all rights without prejudice. You are now in receipt of lawful notice under the Fair Credit Reporting Act, Truth in Lending Act, FDCPA, and constitutional contract law. Failure to remove this erroneous data within XXXX days will constitute willful non-compliance and fraud by estoppel, exposing all parties to a {>= $1,000,000} commercial lien, administrative claim, and formal tort action in equity. 

Therefore, I issue this formal : * * CEASE AND DESIST DEMAND * * YOU ARE HEREBY ORDERED TO : - Permanently cease all collection efforts on any alleged student loan account associated with my name, trust, or estate ; - Remove all derogatory reporting, including late marks and " closed/transferred '' statuses from Equifax, XXXX  and XXXX  ; - Provide written confirmation that this account has been fully discharged and will not be transferred or sold again under a new servicer name without my signed consent ; - Remove any references to past due balances or non-payment on credit files associated with my personal or trust identity. 

Failure to comply will result in : - Immediate legal action through administrative remedy, civil litigation, and a XXXX commercial lien in the amount of {$250000.00} for willful injury ; - Complaints filed with the CFPB, FTC, and Attorney General of California ; - Public affidavits and notices published for the record under common law, trust law, and XXXX. 

Let it be known : Your failure to validate the alleged debt combined with your continued derogatory reporting constitutes fraud, misrepresentation, and economic harm to a living woman. 

Respectfully, XXXX XXXX XXXX XXXX authorized representative for XXXX XXXX XXXX By : XXXX XXXX XXXX Secured Party Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Rights Reserved

Company response to consumer: Closed with explanation