Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
FORMAL NOTICE OF INTENT TO COMMENCE CIVIL ACTION Fair Credit Reporting Act 15 U.S.C. 1681 et seq. Re : Disputed Account XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consumer : XXXX XXXX XXXX To Whom It May Concern, This correspondence serves as formal pre-litigation notice regarding the continued reporting, verification, and furnishing of the above-referenced account on my consumer credit reports. Despite multiple disputes submitted to consumer reporting agencies and the Consumer Financial Protection Bureau ( CFPB ), the account continues to be reported as verified without production of competent, verifiable evidence establishing that the alleged obligation is accurate, authorized, or legally attributable to me. This letter places you on formal notice of impending civil action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for continuing violations of federal law. I. FCRA VIOLATIONS AT ISSUE 1. Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681s-2 ( b ) After receiving notice of dispute from consumer reporting agencies, you are required to conduct a reasonable investigation and review all relevant information provided. To date, no competent evidence has been produced demonstrating that any meaningful investigation occurred beyond automated system verification or database matching. Such procedures are insufficient under federal law. 2. Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) The information you are furnishing is materially unreliable and inconsistent across reporting agencies, including but not limited to : * {$0.00} reported balance * Closed account status ( 2019 ) * Absence of meaningful payment history * Continued adverse reporting despite lack of substantiated obligation data Reporting incomplete or structurally inconsistent data fails the statutory requirement of maximum possible accuracy. 3. Failure to Provide Competent Evidence of Obligation Despite repeated disputes, you have failed to produce or identify : * A signed credit application or enforceable agreement * Full transactional history supporting alleged debt formation * Documentation establishing authorization of the account * Audit-level account creation records ( including IP/device or equivalent electronic attribution, if applicable ) Absent such evidence, continued reporting constitutes unlawful furnishment. 4. Continued Reporting After Notice of Dispute 15 U.S.C. 1681s-2 ( b ) You have received multiple reinvestigation notices through consumer reporting agencies and CFPB channels . Continued reporting without documented reinvestigation exposes your organization to liability for willful noncompliance under 1681n. II. NOTICE OF INCONSISTENT BUREAU FINDINGS Consumer reporting agencies have returned conflicting determinations regarding this account, including : * Verified as accurate despite repeated disputes * Fraud-suspected / non-processable classification in CFPB routing channels These inconsistencies place your furnisher reporting under heightened scrutiny and further undermine any claim of accuracy or reasonable investigation. III. DEMAND PRIOR TO LITIGATION You are hereby given 14 days from receipt of this notice to provide the following : 1. Complete copy of the original signed credit application or binding agreement 2. Full account history, including transactional ledger and charge detail 3. All records relied upon to verify this account during reinvestigation 4. Description of the procedures used to authenticate identity and account ownership 5. Identification of all data fields reported to each consumer reporting agency 6. Documentation of compliance with FCRA 1681s-2 ( b ) reinvestigation obligations IV. REQUIRED RESOLUTION If you are unable to produce competent, admissible evidence substantiating this alleged obligation, you are required to : * Immediately cease furnishing this account * Permanently request deletion of all related entries from all consumer reporting agencies * Confirm in writing that no further adverse reporting will occur V. NOTICE OF INTENT TO LITIGATE If this matter is not resolved within the stated timeframe, I will proceed with civil action in federal court seeking relief for violations of : * 15 U.S.C. 1681n ( Willful Noncompliance ) * 15 U.S.C. 1681o ( Negligent Noncompliance ) * 15 U.S.C. 1681s-2 ( b ) ( Furnisher Duties ) * 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy Requirement ) Remedies will include statutory damages, actual damages, costs of litigation, and any additional relief available under federal law. This is not a request for goodwill adjustment. This is a formal legal notice of disputed reporting and impending litigation. Govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation