Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Date : XX/XX/year> To : XXXX XXXX XXXX 

Subject : Formal Dispute of Fraudulent and Inaccurate Credit Reporting Under FCRA, FDCPA, TILA, and Applicable Michigan Law Re : XXXX XXXX XXXX Account # XXXX ( Disputed Tradeline ) To Whom It May Concern : I am writing to formally dispute the continued, inaccurate, and unauthorized reporting of the above-referenced Self Financial account on my credit profile. This alleged account is not mine. The reporting is unverified, misleading, and constitutes both a factual and legal inaccuracy. Despite multiple attempts to rectify this erroneous information over the past years, the account remains improperly listed on my consumer report, thereby violating numerous state and federal regulations.

Basis for Dispute and Legal Violations 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

You are required to ensure the maximum possible accuracy of information reported to credit bureaus under 1681e ( b ). The continued reporting of a fraudulent, disputed, and unverifiable account directly violates this mandate. 
Under 1681i, once a dispute is initiated, a reinvestigation must be conducted. To date, XXXX XXXX has failed to adequately validate the origin, authenticity, and chain of title of the alleged account. Merely confirming account activity without a signed original contract or wet-ink signature constitutes non-compliance.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. 
If XXXX XXXX or any associated entity is acting as a debt collector, they have a statutory duty under 1692g to validate the debt. Their response fails to meet the validation threshold established by federal courts ( i.e., full accounting, contract, and proper chain of assignment ).

Continued reporting of a disputed debt without full validation is a violation of 1692e ( 8 ), which prohibits the communication of false or misleading credit information.

3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq.

The failure to provide full disclosures on interest, principal application, and security agreement terms, and to allow a clear right of rescission, further evidences the noncompliance of the financial agreement, if any exists.

4. Michigan Consumer Protection Act ( MCPA ) MCL 445.901 et seq.

The unlawful reporting of inaccurate account details violates 3 ( 1 ) ( s ) and 3 ( 1 ) ( bb ) regarding misrepresentation and unfair collection practices.

Remedy Demanded 5. Cease and desist all further collection attempts until lawful validation has been completed.

Notice of Legal Intent If this matter is not resolved within the statutory timeframe, I reserve the right to pursue all remedies available under federal and state law, including a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General, and the filing of a civil claim in federal court for damages under FCRA, FDCPA, and TILA.

Supporting Documentation Included : Copy of Self Financials admission of outdated reporting ( XX/XX/year> ) Recent Self Financial statement showing disputed balance ( {$230.00} ) Identity verification documents ( if mailing ) Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation