Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FINAL NOTICE LEGAL DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED COLLECTIONS, CHARGE-OFF & REPOSSESSION FCRA, UCC, FDCPA VIOLATIONS To Whom It May Concern, This letter serves as my formal dispute and legal demand for the immediate deletion of the following accounts from my Equifax credit file. These items are being reported without legal verification, permissible purpose, or proper documentation, and therefore violate the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), and Fair Debt Collection Practices Act ( FDCPA ). 

ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX Acct # XXXX XXXX  {$6400.00} XXXX XXXX  Acct # XXXX XXXX  {$700.00} XXXX Acct # XXXX XXXX  {$700.00} XXXX  Acct # XXXX Charge-off {$1500.00} XXXX  Acct # XXXX Repossession {$19000.00} LEGAL VIOLATIONS INVOLVED : FCRA 1681b No permissible purpose to report data without my explicit consent FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i Failure to reinvestigate disputed items properly FCRA 609 ( a ) ( 1 ) No original signed contract has been provided to support these accounts FDCPA 809 ( b ) Failure to provide lawful debt validation upon request UCC 3-501 I demand presentment of the original obligation with my wet-ink signature UCC 1-308 I reserve all rights without prejudice Consumer Privacy Rights Reporting unverifiable accounts without legal proof violates my consumer privacy rights ADDITIONAL LEGAL BASIS FOR DELETING SANTANDER : XXXX XXXX XXXX settled a {$550.00} XXXX XXXX lawsuit XXXX XXXX for deceptive auto loan practices, predatory lending, and wrongful repossessions. As a result, many consumers credit files were falsely damaged. If this account stems from such practices, it must be removed immediately unless you can provide verified documentation showing the repossession was lawful, authorized, and contractually agreed to by me. 

DEMAND FOR ACTION : You are required to : Permanently delete all accounts listed above from my Equifax report within 15 calendar days Provide written confirmation of deletion Send copies of all verification documentation, including original signed contracts and assignment records FAILURE TO COMPLY : I will file formal complaints with the CFPB, FTC, and Illinois Attorney General I will initiate civil litigation under FCRA 616 & 617 for willful noncompliance I will seek damages for defamation, negligence, and emotional distress If these accounts are not fully validated with original documentation, they must be removed. Re-reporting without proper notice violates FCRA 611 ( a ) ( 5 ) ( B ) and will trigger legal consequences. 

This is your final legal notice. I expect full compliance under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief