Consumer complaint received 2025-04-22 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: IN

Complaint narrative:
As the fiduciary of the XXXX XXXX XXXX XXXX ( IRS Form 56 on file with the IRS ), I lawfully notified XXXX  XXXX and their legal representative, XXXX XXXX XXXX, that all correspondence regarding any alleged accounts must be directed to me in my fiduciary capacity. 

I formally requested full validation of the alleged debt, including the original signed agreement and complete account history. A XXXX XXXX representative confirmed via telephone that no such account exists under my name. Despite this, the account remains on my credit profile and continues to damage my score. 

In XX/XX/XXXX XXXX, I submitted IRS Forms 1099-A and 1099-C on behalf of the estate and served both XXXX  XXXX and XXXX & XXXX via certified mail with formal notice. To date, I have received no lawful validation, no correction of the record, and no cessation of this unlawful reporting.

This violates multiple protections under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Under the FCRA : 15 U.S.C. 1681s2 ( a ) : Furnishers must not report information they know or should know is inaccurate.

15 U.S.C. 1681i : Credit bureaus must reinvestigate disputed items within 30 days. No reinvestigation has occurred.

15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy clearly not met here.

Under the FDCPA : 15 U.S.C. 1692g ( b ) : Collection must stop until proper validation is provided. This never happened.

15 U.S.C. 1692d : Repeated false reporting and failure to respond is harassment.

15 U.S.C. 1692e : Misrepresenting a debt that can not be verified is illegal.

15 U.S.C. 1692f : Continuing these actions is unfair and unlawful.

I followed every lawful step under my fiduciary role, submitted proper IRS forms, and placed all parties on notice. Their refusal to correct the record and continued derogatory reporting is not only negligent its a direct violation of my rights under federal law. 

These actions are now preventing me from securing a vehicle, which I desperately need following a devastating semi-truck accident in XXXX that not only took my life for 8 minutes, I lost my vehicle, my tools & equipment, and means of survival. The impact of this situation is not theoretical it is immediate, personal, and destructive to my ability to fulfill my duties and provide for myself, my family, and my community. 
I am requesting : Immediate removal of the inaccurate account ( s ) Full investigation into all parties who failed to validate, respond, or act lawfully Accountability for any harm caused by these violations I have full documentation, certified mail receipts, and copies of all notices and IRS filings available upon request. This is not just about correcting a report its about defending the rights of fiduciaries, consumers, and people like me who refuse to be bullied by institutions that disregard the law. 

I am trusting that your office will act swiftly and justly in resolving this matter. Please understand that while I approach this with full respect, I will not remain silent or complicit in the continued abuse of my rights and the violation of federal law. 

Sincerely, By : XXXX XXXX Fiduciary, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation