Consumer complaint received 2025-06-09 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: MI

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, GA XXXX Fax : ( XXXX ) XXXX Attention : Legal Compliance & Dispute Department Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN Suffix : XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Final Notice of Legal Default Unverified and Inaccurate Credit Reporting Violations Account in Dispute : XXXX XXXX Account No. XXXX Reported Late Payment ( s ) : XX/XX/year> XX/XX/year> To Whom It May Concern, This is my Final Affidavit and Notice of Legal Default regarding your continued and willful reporting of false, unverifiable, and materially damaging information to my consumer credit file in connection with the above-referenced account. 

This letter serves to document the failure of Equifax to verify or validate the alleged derogatory entry as required under federal law and your responsibilities as a credit reporting agency. 



I. AFFIDAVIT OF NON-VERIFICATION I, XXXX XXXX XXXX, affirm under penalty of perjury that : 1. I formally disputed the late payment reporting in accordanc

e with 15 U.S.C. 1681i, and requested full documentation of the billing terms that would lawfully justify a late mark.

2. Equifax failed to provide : A billing statement issued in compliance with 15 U.S.C. 1666b, showing a minimum 21-day grace period. 
Any record showing a lawful due date in compliance with federal billing cycle statutes. 
Any independent investigation validating the legal accuracy of the derogatory report. 
3. Instead, Equifax merely parroted unverifiable and inaccurate information from the furnisher, which is not sufficient under FCRA 1681e ( b ) or 1681i ( a ).

4. This failure has caused material harm to my credit reputation, access to financing, and peace of mind.

II. VIOLATIONS COMMITTED BY EQUIFAX Equifax is now in legal default and in violation of the following federal laws : FCRA 1681i ( a ) : Failure to reinvestigate disputed data with legally verifiable evidence.

FCRA 1681s-2 ( b ) : Reporting unverifiable or inaccurate information provided by XXXX XXXX without proper substantiation.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

TILA 1666b : The alleged creditor violated the billing cycle rules, which you failed to verify.

Civil Liability under FCRA 1681n & 1681o : For willful and negligent noncompliance.

III. DEMAND FOR REMEDY AND SETTLEMENT Due to these clear violations, I now demand the following : 1. Immediate deletion of the XXXX and XX/XX/year> late payment entries from my credit file. 
2. Written confirmation of deletion and correction sent to me within 15 calendar days.

3. A written settlement offer to resolve the damages caused by Equifaxs unlawful conduct and reporting negligence.

4. Your acknowledgment that continued reporting or refusal to correct will be interpreted as willful FCRA noncompliance, opening the door to a civil action for statutory and punitive damages, plus all associated legal costs. 



IV. NOTICE OF LEGAL ACTION Failure to comply with this final demand within 15 days will result in : Formal legal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) against Equifax for willful noncompliance. 
Complaint to the Federal Trade Commission ( FTC ). 
Complaint to the Attorney General of Michigan. 
Preparation of a civil claim in state or federal court, seeking compensatory and punitive damages under FCRA 1681n/o. 



With Honor and Reservation of Rights, Sincerely, XXXX XXXX XXXX Without Prejudice UCC 1-308 CC : Personal File

Company response to consumer: Closed with explanation