Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Public notice. 



* * FINAL LEGAL DISPUTE AND CEASE & DESIST DEMAND * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. XXXX XXXXXXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FINAL ORDERMANDATORY VERIFICATION OR IMMEDIATE DELETION OF DISPUTED ACCOUNT UNDER FEDERAL AND NATURAL LAW * * -- * * TO WHOM IT MAY CONCERN : * * This document constitutes a * * Final, Binding, and Legally Enforceable * * order under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 ) * * * * Natural Law * *,, and * * Property Rights Law * *. * * You are ORDERED * * by lawto * * verify * * all disputed data,
or * * permanently remove * * the following * * immediately * * : - All * * inaccurate * * * * unverifiable * *,, or * * illegally reported * * accounts, inquiries, remarks, late payments, or flags on my credit profile * * within 30 days * *. 
XXXX XXXX XXXX XXXX XXXX  XXXX LEGAL REQUIREMENTS AND PRINCIPLES : * * * * 1.

* * * *

15 USC 1681b ( 2 ) : * * * You must * * * obtain lawful, signed, explicit consent * * to * * report or inquire about * * any account. * Any data * * * lacking * * * * valid lawful authority * * * * must * * * * be removed * *. * * 2. * * * * 15 USC 1681i ( a ) ( 1 ) : * * * Disputed accounts * * * must * * * * be verified * * * * by the original, lawful, authentic documentation * * * * within 30 days * *.

* Failure to verify * * * * properly * * * * mandates * * * * automatic removal * *. * * 3.

* * * * 15 USC 1666b : * * * Late payments * * * must * * * * be supported by lawful, verified evidence * *.

* Unverified late payment flags * * * * must * * * * be corrected to " paid on time '' * * * * or * * * * removed * *.

* * 4.

* * * * Property and Sovereignty Law : * * * Your reporting and investigations * * * must * * * * respect lawful ownership * * * * and due process * *.

* Any unlawful or unsupported claim * * * * violates * * * * natural law * * and * * property rights * *. XXXX XXXX XXXX  XXXX  * * DEMANDS IMMEDIATE & FINAL : * * - * * Within 14 days, * * delete or verify * * all disputed entries * * using certified legal proof * * * * original signatures, notarized documents, or lawful evidence * *. 
- * * Cease reporting * * * * any * * * * unverified * * data * * immediately * *. 
- * * Update * * * * all * * * * late payments * * * * to * * * * '' paid on time '' * * * * if * * * * proper proof * * * * can not * * * * be provided beyond the legal reporting period * *. 
- * * Provide comprehensive written confirmation * * * * within the legal period * * of * * full compliance * *. 
XXXX XXXX XXXX XXXX  XXXX * LEGAL CONSEQUENCES : * * Failure * * to comply fully and promptly * * * * constitutes a violation * * of * * federal law * * and * * property rights * *. 
* * I reserve * * the right * * to pursue damages, penalties, fines, and legal action * * including * * civil and criminal remedies * * without further notice. 
XXXX XXXX XXXX XXXX   * * THIS IS AN ABSOLUTE FINAL ORDER * *. 
* * You are instructed * * to * * respond in writing * * * * within 30 days * * confirming * * all deletions and corrections * *. 
* * Failure * * * * to * * * * comply * * * * will be * * * * considered willful violation * * and * * used as evidence * * in * * court proceedings * *. 
-- - * * Respectfully and Lawfully, XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX  FINAL ORDERMANDATORY VERIFICATION OR IMMEDIATE DELETION OF DISPUTED ACCOUNT UNDER FEDERAL AND NATURAL LAW TO WHOM IT MAY CONCERN : This document constitutes a * * Final, Binding, and Legally Enforceable * * order under the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 ) * * * * Natural Law * *,, and * * Property Rights Law * *. 
* * You are ORDERED * * by lawto * * verify * * all disputed data, or * * permanently remove * * the following * * immediately * * : - All * * inaccurate * * * * unverifiable * *,, or * * illegally reported * * accounts, inquiries, remarks, late payments, or flags on my credit profile * * within 30 days * *. 
XXXX XXXX XXXX XXXX  * * LEGAL REQUIREMENTS AND PRINCIPLES : * * * * 1.

* * * * 15 USC 1681b ( 2 ) : * * * You must * * * obtain lawful, signed, explicit consent * * to * * report or inquire about * * any account. 
* Any data * * * lacking * * * * valid lawful authority * * * * must * * * * be removed * *.

* * 2.

* * * * 15 USC 1681i ( a ) ( 1 ) : * * * Disputed accounts * * * must * * * * be verified * * * * by the original, lawful, authentic documentation * * * * within 30 days * *. 
* Failure to verify * * * * properly * * * * mandates * * * * automatic removal * *. * * 3.

* * * * 15 USC 1666b : * * * Late payments * * * must * * * * be supported by lawful, verified evidence * *.

* Unverified late payment flags * * * * must * * * * be corrected to " paid on time '' * * * * or * * * * removed * *.

* * 4.

* * * * Property and Sovereignty Law : * * * Your reporting and investigations * * * must * * * * respect lawful ownership * * * * and due process * *. 
* Any unlawful or unsupported claim * * * * violates * * * * natural law * * and * * property rights * *. 
XXXX XXXX XXXX XXXX XXXX XXXX DEMANDS IMMEDIATE & FINAL : * * - * * Within 14 days, * * delete or verify * * all disputed entries * * using certified legal proof * * * * original signatures, notarized documents, or lawful evidence * *. 
- * * Cease reporting * * * * any * * * * unverified * * data * * immediately * *. 
- * * Update * * * * all * * * * late payments * * * * to * * * * '' paid on time '' * * * * if * * * * proper proof * * * * can not * * * * be provided beyond the legal reporting period * *. 
- * * Provide comprehensive written confirmation * * * * within the legal period * * of * * full compliance * *. 
XXXX XXXX XXXX XXXX * * LEGAL CONSEQUENCES : * * Failure * * to comply fully and promptly * * * * constitutes a violation * * of * * federal law * * and * * property rights * *. 
* * I reserve * * the right * * to pursue damages, penalties, fines, and legal action * * including * * civil and criminal remedies * * without further notice. 
XXXX XXXX XXXX XXXX  * * THIS IS AN ABSOLUTE FINAL ORDER * *. 
* * You are instructed * * to * * respond in writing * * * * within 30 days * * confirming * * all deletions and corrections * *. 
* * Failure * * * * to * * * * comply * * * * will be * * * * considered willful violation * * and * * used as evidence * * in * * court proceedings * *. 
-- - * * Respectfully and Lawfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation