Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
VIA CFPB ONLINE COMPLAINT PORTAL & CERTIFIED MAIL To : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Demand for Immediate Deletion of Fraudulent & Unverified Collection Accounts Willful FCRA, FDCPA, and Federal Fraud Violations NOTICE OF LEGAL ACTION & REGULATORY ESCALATION This is a formal demand for the immediate and permanent deletion of all inaccurate, unverified, and fraudulently reported collection accounts from my credit files at Equifax, Experian, and TransUnion. The furnishers listed below have violated federal law by reporting false, deceptive, and unvalidated debts, and I will pursue maximum legal and regulatory penalties for these violations.

I. WILLFUL VIOLATIONS OF FEDERAL LAW The following furnishers failed to comply with mandatory federal statutes, including but not limited to : 15 U.S.C. 1681s-2 ( b ) ( FCRA Failure to investigate disputed information ) 15 U.S.C. 1692g ( b ) ( FDCPA Failure to validate debt ) 18 U.S.C. 1001 ( False statements to federal agencies ) 18 U.S.C. 1341 & 1343 ( Mail & Wire Fraud Fabricating debt records ) II. FRAUDULENT & UNVERIFIED ACCOUNTS DEMANDING IMMEDIATE DELETION The following accounts lack original contracts, itemized statements, and chain of custody, rendering their reporting fraudulent and unlawful : Furnisher : XXXX XXXX | Account : XXXX XXXX XXXX XXXX XXXX Furnisher : XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX XXXX Furnisher : XXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher : XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher : XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX  Furnisher : XXXX XXXX | Account : XXXX XXXX XXXX XXXX XXXX  Furnisher : XXXX XXXXXXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher : XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher : XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher : XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX Furnisher : XXXXXXXX XXXX XXXX | Account : XXXXXXXX XXXX XXXX XXXX XXXX III. EVIDENCE OF FRAUD & DEMAND FOR COMPLIANCE No validation of debt was ever provided, violating 1692g ( b ).

No investigation was conducted post-dispute, violating 1681s-2 ( b ).

No original contract, ledger, or proof of ownership exists, making this criminal fraud under 1001, 1341, 1343.

IV. ULTIMATUM & LEGAL THREATS Failure to permanently delete these accounts within 15 days will result in : Civil litigation for willful FCRA violations ( up to {$3500.00} per violation ).

Criminal referrals to the FTC, DOJ, and State AG for fraudulent reporting.

Formal complaints to the CFPB, OCC, and NCUA against involved financial institutions.

Punitive damages lawsuits under FDCPA & FCRA.

V. CONSUMER IDENTIFICATION Full Name : XXXX XXXX XXXXXXXX XXXX. DEMAND FOR CONFIRMATION OF DELETION You must provide written confirmation that all disputed accounts have been permanently expungednot suppressed or marked " disputed. '' This is non-negotiable. Comply or face legal annihilation.

Company response to consumer: Closed with non-monetary relief