Consumer complaint received 2025-02-03 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: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Ongoing FCRA Violations, Failure to XXXX XXXX, and Unauthorized Debt Reporting by XXXX XXXX & XXXX Credit To Whom It May Concern, I am filing this formal complaint against XXXX Funding and XXXX XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by failing to honor cease and desist requests, illegally reporting unverifiable debt, and engaging in deceptive and abusive collection practices. 

Despite my previous complaints ( CFPB Complaint Numbers : XXXX and XXXX ), these companies continue to contact me unlawfully, blatantly ignoring federal consumer protection laws. 

XXXX. Violation of Cease and Desist Orders On XX/XX/year>, I sent both XXXX Funding and XXXX XXXX a certified cease and desist letter, which they have illegally ignored in direct violation of 15 U.S. Code 1692c ( c ). Under this law, once a consumer provides written notice to cease communications, a debt collector must immediately stop all contact except to confirm that the account will be closed or to notify of legal action. 

However, despite sending these legally binding notices, I continue to receive unauthorized communication from these entities, causing undue stress and violating my legal rights.

2. Failure to Provide Legally Required Debt Verification Under 15 U.S. Code 1692g ( b ), debt collectors must cease collection efforts if a consumer disputes the validity of the debt and requests verification. Despite my formal debt validation requests, neither XXXX XXXX nor XXXX XXXX has provided any legally required documentation proving these debts are valid or belong to me. 

Without proper verification, these debts must be removed from my credit file immediately. Continuing to report unverifiable debt is a direct violation of FCRA ( 15 U.S. Code 1681s-2 ) and FDCPA ( 15 U.S. Code 1692e ), which prohibit inaccurate or misleading reporting. 

XXXX. Equifax XXXX XXXX XXXX XXXX XXXX XXXX I was also a victim of the Equifax XXXX XXXX, which exposed my personal and financial information. I filed a complaint with the Federal Trade Commission ( FTC ) ( Report XXXX : XXXX ) regarding this security breach. 

Given that my personal data was compromised, I suspect that XXXX XXXX and XXXX XXXX have obtained my information unlawfully, which further invalidates any claims they have regarding these accounts. 

Additionally, Equifax is currently being sued by the CFPB for failing to properly handle consumer credit data and violating federal consumer protection laws. This demonstrates a continued pattern of misconduct by the credit bureaus and debt collectors who rely on their inaccurate reporting.

4. DEMAND FOR IMMEDIATE ACTION & PERMANENT DELETION Due to these severe legal violations, I demand that the CFPB take immediate action to ensure that : XXXX Funding and XXXX XXXX permanently delete all records of these accounts from my credit report. 
All collection activities cease immediately. 
I receive written confirmation stating that these accounts have been permanently removed from my credit report. 
If these demands are not met immediately, I will : Pursue legal action against XXXX Funding and XXXX XXXX for willful violations of the FCRA under 15 U.S. Code 1681n. 
Seek compensation of {$XXXX} per violation as permitted by law. 
Report their fraudulent collection efforts to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau for further enforcement actions. 
XXXX XXXX and XXXX XXXX have blatantly disregarded federal law, continued harassing collection efforts despite a cease and desist order, and failed to provide legally required debt verification. These unlawful and deceptive actions must be immediately addressed, and these accounts must be permanently deleted from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief