Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This letter serves as a formal Final Demand for the immediate removal of fraudulent accounts, addresses, and hard inquiries appearing on my credit report. Despite my previous dispute and the supporting documentation provided including my FTC Identity Theft Affidavit, personal identification, and proof of legitimate address you have failed to take the legally required action to remove these inaccuracies. Your failure to comply constitutes a direct violation of federal law and has caused significant harm to my financial standing.Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to investigate and remove inaccurate, incomplete, or unverifiable information within 30 days. The fraudulent accounts and inquiries identified in my dispute can not be verified and therefore must be deleted immediately. Your continued reporting of false information after being notified in writing constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages, attorney fees, and statutory penalties. Furthermore, under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), any attempt to collect or report fraudulent debts is a federal violation punishable by statutory damages of up to {$1000.00} per violation, plus additional actual damages and legal costs. Additionally, under UCC 3-501 & 3-503, I formally demand verification and validation of any alleged debt being reported. If you can not produce original documentation bearing my actual signature, then you must cease reporting these items immediately. Failure to do so constitutes dishonor and default under contract law, rendering the debts legally unenforceable. This letter serves as your final opportunity to correct these violations before legal action is initiated. Should you fail to remove the fraudulent accounts, addresses, and hard inquiries within 4 business days of receiving this notice, I will be left with no choice but to pursue the following actions without further notice : File a lawsuit against your reporting agency for willful noncompliance under the FCRA ( 15 U.S.C. 1681n ) and FDCPA ( 15 U.S.C. 1692k ) in federal court. 

Seek monetary damages, punitive damages, and attorney fees due to your violations of federal law. 

Report your unlawful actions to the Better Business Bureau ( BBB ) and various consumer advocacy organizations to ensure public awareness of your deceptive business practices. 

To resolve this matter amicably, you must provide written confirmation that XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXXXXXX  {$5500.00} XX/XX/XXXX In Collections/Charge-off XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$210.00} Collection account XX/XX/XXXX, addresses, and inquiries have been permanently removed from my credit report. If you fail to act, legal proceedings will be initiated immediately, and you will be held fully accountable for all violations. 

You have XXXX business days from the receipt of this letter to comply. Failure to do so will result in escalation to litigation without further notice. 

This is a legally binding final demand. Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief