Consumer complaint received 2025-12-14 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: CT

Complaint narrative:
Formal Notice of Dispute, Credit Reporting Reinvestigation Demand, and Preservation Letter From : XXXX XXXX XXXX ( formerly XXXX ) To : XXXXXXXX XXXX XXXX ( and any affiliates/collectors ) Re : Dispute of Account ( XXXX ) and Credit Reporting ; Wrongful Repossession/Surrender Claim ; Servicing Misconduct ; Disability Discrimination ; Records Demand I. Summary I dispute any claim that I ever voluntarily surrendered my home or lawfully relinquished rights or obligations. I further dispute all negative credit reporting tied to this account and demand full reinvestigation and correction. Throughout my divorce and related safety crises ( XXXX ), I continuously notified you of : ( a ) a Louisiana protective order against XXXX XXXX XXXX ; ( b ) my XXXX XXXX status ; and ( c ) repeated safety, stalking, and housing instability events. Despite this notice, you refused to communicate clearly, failed to provide account documents, and continued collection/credit furnishing based on an alleged voluntary surrender that never occurred. 

XXXX. Key Facts ( abridged ) Protective order in Louisiana against XXXX XXXX XXXX XXXX violated multiple times ). 
I was in ongoing contact with your representatives seeking help, documentation, and a payment book in my name ; you refused to provide it while still demanding payment. 
I never signed or consented to any surrender. I was not present for any alleged repossession. 
There are XXXX loan numbers/agreements from XXXX XXXX XXXX XXXX XXXX dates XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX delivery ), and XXXX instrument lacking proper notarization ; references to chattel appear without clear, explained impact on rights. 
I repeatedly informed you of domestic XXXX, evictions, and danger, and asked for a hardship accommodation. 
You continued negative credit reporting into XXXX, damaging my access to housing, transportation, education, and employment. 

I have phone records ( XXXX ), XXXX allocation letters, receipts, and copies of the conflicting sale/loan/title documents. 

XXXX. Louisiana Law Violations ( non-exhaustive ) 1. Improper Voluntary Surrender / Acceptance of Collateral Without Valid Consent Under UCC Art. 9 ( as adopted in Louisiana ), creditor acceptance of collateral in full/partial satisfaction requires * * authenticated consent * * from the debtor after default, with a meaningful opportunity to object. See La. XXXX. XXXX, XXXX, XXXX. Any alleged surrender without my authenticated, post-default consent is invalid. Notice of any intended disposition must be sent. See La. XXXX. XXXX to XXXX. 
XXXX. Defective Notarization/Execution of XXXX XXXX authentic act requires proper execution before a notary and XXXX witnesses ; defects can affect validity. La. XXXX. Code arts. XXXX. If signatures were on different days ( e.g., spouse offshore ) without proper formalities/procuration, or a document lacks valid notarization, the instrument XXXX be invalid or unenforceable as written. 
XXXX. Unfair/Deceptive Acts & Practices Louisiana Unfair XXXX Practices Act ( XXXX ), La. XXXX. XXXX et seq. prohibits unfair/deceptive acts. Misstating a voluntary surrender, refusing basic account documents while demanding payment, and leveraging confusion during domestic-violence hardship are unfair/deceptive. 
XXXX. Manufactured Home Status/Title Irregularities A manufactured home XXXX be a movable unless properly immobilized ; title/recordation issues matter. See La. XXXX. XXXX et seq. and La. XXXX. XXXX ( immobilization of manufactured homes ). Conflicting dates and chattel references without disclosure/clarity support title/secured-interest irregularities. 
IV. Federal Law Violations ( non-exhaustive ) 1. Fair Credit Reporting Act ( FCRA ) Furnishers must report with maximum accuracy and investigate disputes from CRAs. See 15 U.S.C. 1681s-2 ( a ) & ( b ) ; 1681e ( b ) ; Reg V , 12 C.F.R. 1022.42 ( direct disputes ). Continuing to report a false voluntary surrender/repossession or an incorrect responsibility allocation after dispute is unlawful.

2. Truth in Lending Act ( TILA ) & Reg Z ( 12 C.F.R. Part 1026 ) Requires clear, accurate disclosures of terms, finance charges, security interests ( including any chattel interest ), and delivery dates/amounts. Inconsistent/defective disclosures or failure to provide copies violates 15 U.S.C. 1601 et seq.

3. Real Estate Settlement Procedures Act ( RESPA ) & Reg X ( 12 C.F.R. Part 1024 ) ( to the extent the loan/servicing falls within RESPAs scope ) Error resolution and information requests must be timely acknowledged and answered ( 12 C.F.R. 1024.351024.36 ). Continuity of contact and loss-mitigation/early-intervention rules ( 1024.391024.41 ) require reasonable assistance during hardship. Stonewalling document requests and ignoring hardship communications violates 12 U.S.C. 2605 and Reg X.

4. Equal Credit Opportunity Act ( ECOA ) & Reg B ( 12 C.F.R. Part 1002 ) Creditors may not discriminate against an applicant because income is from public assistance ( SSI ) and must provide adverse-action notices when required. See 15 U.S.C. 1691 ( a ) ; 12 C.F.R. 1002.2, 1002.9. Your treatment of my SSI and refusal to treat me as a responsible party while still demanding payment raises ECOA concerns.

5. Americans with Disabilities Act ( ADA ) Title III Lenders/finance companies are public accommodations and must provide reasonable modifications in policies and effective communication to people with disabilities. 42 U.S.C. 12182 ; 28 C.F.R. pt. 36. Refusing to accommodate communication, documentation access, and safety-related scheduling during an active protective order and disability is unlawful.

6. Fair Housing Act ( FHA ) Disability Discrimination in Housing-Related Transactions Prohibits discrimination in residential real-estate related transactions, including lending/servicing. See 42 U.S.C. 3604, 3605. Ignoring documented disability/safety needs while pursuing adverse action can violate the FHA.

If third-party collectors were used : FDCPA, 15 U.S.C. 1692 et seq. bars false representations ( e.g., claiming a voluntary surrender ) and unfair practices.

V. Demands 1. Credit Reporting Fix ( FCRA ) Within 30 days, conduct and complete a reasonable reinvestigation of all tradelines related to my accounts and provide written results.

Delete or correct any reference to voluntary surrender/repo, misreported responsibility, dates, balances, or delinquencies that flowed from the unlawful handling described above.

Provide me a full furnisher-level investigation file ( policies, ACDV responses, notes, and communications with CRAs ).

2. Complete Account File & Servicing Records ( RESPA/Reg X ; TILA ; UCC ) Provide : ( a ) all loan agreements ( both numbers ), ( b ) all assignments/indorsements, ( c ) title and manufactured home status records ( movable/immobilized ), ( d ) payment histories and payoff/deficiency calculations, ( e ) all notices ( default, intent to repossess, disposition ), ( f ) any alleged surrender consent ( authenticated, post-default ), ( g ) internal call logs and correspondence, and ( h ) loss-mitigation/hardship evaluations.

3. Cure & Restitution Cease all collection/negative furnishing pending resolution.

Retract false credit reporting and issue written confirmations I can send to Experian/Equifax/TransUnion .

Compensate for out-of-pocket losses and consequential damages caused by unlawful credit reporting and servicing conduct ( to be itemized ).

Provide a written ADA policy explanation and propose reasonable modifications going forward.

4. Litigation Hold Preserve all evidence ( digital/physical ) including call recordings, agent notes, system logs, ACDVs/e-OSCAR records, and correspondence with dealers ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. 

VI. How to Respond Send the full document set and written response to me within 30 days to this address XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX If you contend a voluntary surrender occurred, identify who, when, where, and produce the authenticated record and all notices required under La. XXXX. XXXX. If you claim I was not a borrower, explain why you demanded payments from me, why you refused a payment book in my name, and why you furnished data about me to CRAs ( FCRA accuracy problem either way ). 

XXXX. Notices of Rights Reserved Nothing herein waives any claims under LUTPA, FCRA, TILA/Reg Z , RESPA/Reg X , ECOA/Reg B , ADA, FHA, FDCPA ( if applicable ), Louisiana Civil Code, and UCC Article 9, nor any tort or contract claims ( including wrongful repossession, negligent/intentional misrepresentation, conversion, IIED/NIED, and breach of duty of good faith ). 


This is a formal demand for immediate settlement, credit correction, and financial compensation for the wrongful repossession, XXXX discrimination, domestic-violence hardship violations, and illegal credit reporting your company caused between XXXX. 

You falsely reported a voluntary surrender that I never signed, never authorized, and was never present for. You ignored an active Louisiana protective order, refused to provide legally-required documentation, mishandled two conflicting loan agreements with defective notarization, and violated multiple federal and Louisiana laws , including : FCRA, TILA, RESPA, ECOA, ADA, FHA, FDCPA ( if applicable ), UCC Article 9, LUTPA, and the Louisiana Civil Code.

Your actions caused homelessness, danger, financial collapse, disability-related harm, emotional trauma, and long-term credit destruction. You are fully responsible for the impact on my life from XXXX through XXXX. 

To resolve this matter without litigation, I am demanding the following : XXXX. Full Deletion of the XXXXXXXX XXXX XXXX XXXX removal of all negative reporting, repossession references, voluntary surrender, late payments, and derogatory data from all credit bureaus and third-party data sources. 

XXXX. Financial Compensation {$75000.00} to {$150000.00} For homelessness, trauma, wrongful repossession, discrimination, lost opportunities, and XXXX years of credit and housing damage. 

XXXX. Refund of All Funds I Ever Paid Including down payment, monthly payments, XXXX XXXX funds, insurance proceeds, and all fees charged under defective and improperly handled loan agreements. 

XXXX. Written Statement Clearing Me Completely You must acknowledge : I did not surrender the home The repossession was not lawful I owe no balance Your reporting was inaccurate I was in documented danger and you ignored my protected-class hardship XXXX. Full Document Release ( within 30 days ) You must provide : both loan agreements all payment records call logs repossession documents any surrender paperwork dealer communications all XXXX notices If you do not resolve this immediately, I will pursue CFPB, FTC, HUD, DOJ disability enforcement, Louisiana Attorney General LUTPA action, and private litigation.

I have extensive records proving every violation listed.

This is your opportunity to resolve this matter without escalation. 

This is a formal demand for immediate settlement, credit correction, and financial compensation for the wrongful repossession, XXXX discrimination, domestic-violence hardship violations, and illegal credit reporting your company caused between XXXX. 

You falsely reported a voluntary surrender that I never signed, never authorized, and was never present for. You ignored an active Louisiana protective order, refused to provide legally-required documentation, mishandled XXXX conflicting loan agreements with defective notarization, and violated multiple federal and Louisiana laws XXXX including : FCRA, XXXX, RESPA, XXXX, XXXX, FHA, FDCPA ( if applicable ), UCC Article XXXX, XXXX, and the Louisiana XXXX XXXX. 

Your actions caused homelessness, danger, financial collapse, disability-related harm, emotional trauma, and long-term credit destruction. You are fully responsible for the impact on my life from XXXX through XXXX. 

To resolve this matter without litigation, I am demanding the following : XXXX. Full Deletion of the XXXX Mortgage XXXX XXXX removal of all negative reporting, repossession references, voluntary surrender, late payments, and derogatory data from all credit bureaus and third-party data sources. 

XXXX. Financial Compensation {$75000.00} to {$150000.00} For homelessness, trauma, wrongful repossession, discrimination, lost opportunities, and seven years of credit and housing damage.

3. Refund of All Funds I Ever Paid Including down payment, monthly payments, SSA disability funds, insurance proceeds, and all fees charged under defective and improperly handled loan agreements.

4. Written Statement Clearing Me Completely You must acknowledge : I did not surrender the home The repossession was not lawful I owe no balance Your reporting was inaccurate I was in documented danger and you ignored my protected-class hardship 5. Full Document Release ( within 30 days ) You must provide : both loan agreements all payme
nt records call logs repossession documents any surrender paperwork dealer communications all UCC-required notices If you do not resolve this immediately, I will pursue CFPB, FTC, HUD, DOJ disability enforcement, Louisiana Attorney General LUTPA action, and private litigation.

I have extensive records proving every violation listed.

This is your opportunity to resolve this matter without escalation.

Company response to consumer: Closed with explanation