Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax, XXXX XXXX and XXXX XXXX XXXX, This email serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for inaccurate, incomplete, and inconsistent credit reporting of the XXXX XXXX XXXX account ( Account XXXX. XXXX / XXXX ). 



Reporting Inconsistencies XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off {$19000.00} written off Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Original Balance : {$27000.00} Current Balance : {$13000.00} Equifax Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Original Balance : Undisclosed Current Balance : {$13000.00} XXXX  Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Original Balance : {$27000.00} Current Balance : {$13000.00} Violations The above data reveals conflicting and inaccurate reporting among the three major credit bureaus. 
Specifically : XXXX  lists a written-off amount of {$19000.00}, which does not appear on other reports. 
Equifax omits the original balance entirely, violating data completeness requirements. 
XXXX  uses inconsistent language ( charged off as bad debt ) and dates differing from XXXX. 

These discrepancies violate : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate and correct disputed data.

15 U.S.C. 1681s-2 ( b ) : Failure by the furnisher ( XXXX XXXX XXXX XXXX XXXX provide accurate, consistent information to all bureaus. 
15 U.S.C. 1692e & 1692f : False or misleading representation of a debt under the FDCPA. 



Formal Demands 1. Provide a full Automated Consumer Dispute Verification ( ACDV ) response from all bureaus and XXXX XXXX XXXX. 
2. Immediately delete the inconsistent and inaccurate tradelines across all credit reporting agencies. 
3. Remit statutory compensation for damages as outlined below. 



Statutory Damages and Fee Allocation Entity | Violations | Statutory Basis | Amount Owed XXXX  | 2 ( Inaccurate and inconsistent reporting ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} Equifax | 2 ( Incomplete data and failure to ensure parity ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} XXXX  | 2 ( Conflicting charge-off data and inconsistent updates ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} XXXX  XXXX  XXXX XXXX 2 ( False furnishing and failure to correct across CRAs ) | FDCPA 1692e, 1692f ; FCRA 1681s-2 ( b ) | {$2000.00} Total Amount Due Immediately | {$8000.00} These statutory damages are owed regardless of subsequent correction or deletion, as liability is triggered upon initial violation. 



Notice of Intent to Sue If written confirmation of correction, XXXX XXXX, and payment of {$8000.00} are not received within XXXX business days ( by XX/XX/XXXX ), I will proceed with legal action in XXXX XXXX Court seeking : Statutory and actual damages ; Attorneys fees and costs ; and Punitive damages under 15 U.S.C. 1681n ( b ) for willful and reckless noncompliance.

Company response to consumer: Closed with explanation