Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
CRITICAL FEDERAL VIOLATIONS REGULATION V, XXXX XXXX XXXX, XXXX VIOLATIONS XXXX. Violation of CFPB Regulation V ( 12 CFR Part 1022 ) and XXXX XXXX XXXX ( 2025 ) : Effective XX/XX/year>, under sweeping changes to Regulation V ( 12 CFR Part 1022 ) and newly enacted XXXX XXXX XXXX, any inaccurate, unverifiable, or misleading tradeline must be immediately deleted upon proper consumer dispute without delay, without evasion, and without arbitrary refusal. 

The specific federal mandates include : Upon receiving a direct dispute, credit reporting agencies must delete any account if the furnisher fails to provide verified, documentary evidence within 30 days. 
Furnishers and CRAs must validate every single reporting field ( e.g., balance, date opened, account type ) or else the ENTIRE tradeline must be deleted partial updates are no longer permissible under the new law. 
Failure to delete unverifiable or disputed accounts constitutes a willful violation punishable by heavy statutory fines and criminal penalties. 

Application to This Case : The XXXX XXXX XXXX XXXX account ( XXXX ) remains unverifiable and has already been removed by XXXX XXXX XXXX 
Equifaxs refusal to delete is not only a violation of older FCRA obligations, but now constitutes a direct breach of Regulation V and XXXX XXXX XXXX. 
This triggers mandatory regulatory actions and exposes Equifax and XXXX XXXX XXXX XXXX to federal penalties and civil liability. 

Federal Law Quote for Emphasis : The following debt MUST be removed as per federal law since it relates to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. 



XXXX. Medical Use Exception & XXXX Privacy Violations : It must further be emphasized that this Capital XXXX Auto Finance account was related to a necessary transportation vehicle used for ongoing medical purposes including, but not limited to, doctor visits, hospital transport, and critical healthcare needs. 

As such : XXXX ( Health Insurance Portability and Accountability Act ) protections extend to medical-related financial activities when reporting reveals medical conditions or treatment necessity. 
Reporting an account related to medical transportation constitutes a de facto disclosure of protected health information ( PHI ) without express, specific consumer authorization. 
Violation of XXXX privacy standards creates civil liability, and federal enforcement can initiate additional penalties beyond FCRA fines. 

Key Federal Violations : Unauthorized disclosure of private medical-related financial activity violates XXXX XXXX and XXXX XXXX. XXXX. 
Publicizing any medical-purpose transaction without a signed HIPAA release constitutes a severe privacy breach. 
Each day the information remains publicly available increases both civil and criminal exposure for the reporting entities. 



IN SUMMARY : The XXXX XXXX XXXX XXXX tradeline is now legally required to be immediately and permanently deleted based on : Federal Regulation V ( 12 CFR 1022 ) requirements ; XXXX XXXX XXXX mandates ; HIPAA medical privacy laws ; Long-standing FCRA maximum accuracy requirements. 

Failure to comply places Equifax and XXXX XXXX XXXX XXXX at serious risk of both civil litigation and federal regulatory sanctions including FTC investigations, CFPB XXXX actions, and potential criminal charges for ongoing willful noncompliance.

Company response to consumer: Closed with explanation