Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Date : XX/XX/year> To : Equifax Legal Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX MAILING ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Consumer/Beneficiary : XXXX XXXX, sui juris Beneficiary of SSN Account XXXX XXXX XXXX XXXX Non-Surety, All Rights Reserved XXXX XXXX XXXX XXXX, TX XXXX Note : For purposes of verification, my domicile is [ residential address ], however all correspondence must be directed to the Estate Trust mailing address above. 


Subject : Formal FCRA and FDCPA Dispute Immediate Deletion and Damages Demand re : XXXX XXXXXXXX XXXX Tradeline To Whom It May Concern, I am disputing the accuracy and legality of the tradeline reported by XXXX XXXX XXXX, account allegedly ending in XXXX, reported XX/XX/year>, and updated XX/XX/year>, on my Equifax credit file. This account was placed without any notice as required under federal law and has caused me direct harm as an XXXX XXXX veteran. 

Background On XX/XX/year>, I spent nearly five hours on the phone with three Equifax representatives ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX with XXXX XXXXXXXX ). XXXX XXXX denied renewal of my XXXX vehicle after Equifax flagged my file Do Not Rent. This resulted in loss of my vehicle, my walker and belongings being removed in a XXXX parking lot, and being forced to pay for alternate transportation. 

XXXX XXXX admitted that Equifax relied only on details from XXXX XXXX ( amount, date, status ) but could not produce any validating documents. He admitted he could not explain why I was not notified, except to tell me to check my credit report online or mail in a request. He also admitted that the dispute flag he placed would not be visible to outside creditors, meaning the damage would continue. 

Documents Requested But Not Provided Ownership Proof ( required to establish lawful authority ) : Bill of Sale from XXXX XXXX to XXXX ( or through any intermediary buyer ). 

Forward Flow Agreement / Purchase Agreement governing the sale of charged-off accounts. 

Chain of Assignment if the account passed through multiple debt buyers. 

Exhibit A / account-level data file showing my specific account was included in the sale. 

XXXX signed contract or cardmember agreement from XXXX XXXX. 

Complete payment history and accounting records used to calculate the alleged balance. 

Bond and Registration : If XXXX XXXX XXXX is not bonded and registered as required by Texas law to engage in debt collection, any attempt on their part to collect or report this debt is not only invalid, but also constitutes additional violations of the Fair Debt Collection Practices Act. 

Required Consumer Notices ( required under federal law ) : XXXX. XXXX XXXX from XXXX XXXX notifying me of the sale. 
8. Hello Letter from XXXX notifying me they claim ownership/collection authority. 

Legal Violations Failure to notify before negative reporting ( 15

U.S.C. 1681s-2 ( a ) ( 7 ), 1681i ( a ) ( 2 ) ). Failure to conduct a reasonable investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ).

Failure to flag the account as disputed to outside creditors ( 15 U.S.C. 1681c ( f ) ).

FDCPA violations by XXXX for failure to validate ( 15 U.S.C. 1692g ). 

Actual XXXX harm and damages caused by loss of transportation and mobility. 

Damages Demand In addition to immediate deletion of the XXXX XXXX, I hereby demand compensation for damages already incurred as a direct result of Equifaxs unlawful reporting : Out-of-pocket costs : {$180.00} XXXX transportation loss : {$200.00} ( to date ) Emotional distress/ADA harm : {$1000.00} ( to date ) Total actual damages to date : {$1300.00} Plus statutory damages under the FCRA and FDCPA : {$1000.00} {$2000.00} minimum Total sought as of XX/XX/year> : {$2300.00} {$3300.00}, with damages continuing to accrue daily until corrected. 

If Equifax fails to delete this tradeline immediately and provide written confirmation of payment for these damages, I will pursue all available legal remedies, including federal litigation, seeking statutory damages, actual damages, costs, and attorneys fees under 15 U.S.C. 1681n, 1681o, and 1692k. 

Relief Requested Immediate deletion of the XXXX XXXX XXXX tradeline. 

Confirmation that the account is flagged as disputed to all third parties, not just internally. 

Written explanation of what documents Equifax relied upon to place this tradeline. 

Payment of damages as detailed above. 

Enclosures ( for identity verification only ) : Copy of government-issued ID ( drivers license or passport, limited use only ) Proof of address ( utility bill, bank statement, or lease ) SSN ending in XXXX These documents are provided solely for verification of this dispute in compliance with the Fair Credit Reporting Act. They may not be used for any other purpose. No admission of liability is made, and all rights are expressly reserved. 

Respectfully, XXXX XXXX, sui juris Beneficiary of XXXX Account XXXX Non-Surety, All Rights Reserved without recourse.

Company response to consumer: Closed with explanation