Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Notice Multiple Violations, Failure to Validate, and Imminent Legal & Regulatory Escalation Account in Question : XXXX Re : Unvalidated Charged-Off Account Still Reporting Illegally To Whom It May Concern, This is my final written notice regarding the unresolved, unvalidated, and unlawfully reported WebBank/Fingerhut account listed above.

Despite multiple formal requests for validation under 15 U.S. Code 1692g, you have failed to provide : A signed, executed agreement bearing my name and signature A full and itemized payment history of the account from inception Proof of legal standing to collect or report this debt Confirmation as to whether a Form 1099-C or 1099-A was filed with the IRS Instead of addressing the legal deficiencies, Equifax responded with vague language about historical updates to the accountwhile still maintaining derogatory reporting without proper reinvestigation or verification.

Violations Committed Your failure to comply with federal law constitutes : FCRA Violations under 15 U.S. Code 1681i and 1681s-2 FDCPA Violations for failure to validate and continued collection activity GLBA Privacy Breaches involving the mishandling of non-public personal information Potential Security Fraud for knowingly reporting inaccurate, unverifiable data to third parties Your continued reporting of this account, in its current status, exposes you to civil and financial liability, including : Statutory damages of up to {$100000.00} per day, beginning XX/XX/year> Claims for emotional distress, defamation, and credit interference Additional punitive damages under state and federal consumer protection laws Final Demands Immediately delete the unvalidated tradeline from my credit file across all bureaus. 

Provide written confirmation of deletion and closure of this matter. 

Submit full legal validation of the alleged debt, including : Signed original contract IRS 1099-C or 1099-A disclosure Complete accounting and charge-off documentation Name and contact of the verifying authority Notice of Escalation If the account is not removed within 4 business days, I will be forwarding this issue to the following investigative and enforcement agencies : Federal Trade Commission ( FTC ) Internal Revenue Service ( IRS ) Iowa State Attorney Generals Office United States Postal Inspection Service ( for potential mail-related violations ) Office of the Comptroller of the Currency ( OCC ) as applicable to XXXX 's charter I reserve the right to file a civil lawsuit for damages, and I will also pursue further media exposure and reporting to watchdog organizations if no legal resolution is made. 

You are now formally on notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief