Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
b'**FINAL NOTICE - 10 DAYS TO DELETE OR FACE FEDERAL LAWSUITXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: FINAL NOTICE - DELETE ACCOUNT WITHIN 10 DAYS OR FACE FEDERAL LITIGATION**  \n**Account Numbers:XXXX XXXX (credit reports) / XXXX XXXX XXXX XXXX (your statement) / "ending in XXXX (your letters/XXXX)\n\n---\n\n FINAL NOTICE - LITIGATION WILL BE FILED IF ACCOUNT NOT DELETED WITHIN 10 DAYS**\n\nThis is your **FINAL NOTICE** before I file federal litigation against XXXX XXXX  for willful FCRA and FDCPA violations. You have **10 DAYS** from receipt of this letter to delete this account from all credit reports or face immediate federal court action.\n\n**Your own written admissions, contradictory statements, and your collection agent\'s federal law violations have created an ironclad case for maximum statutory damages.**\n\n ** YOUR WRITTEN CONFESSION MANDATES IMMEDIATE DELETION**\n\n**In your XXXX XXXX XXXX letter, YOU WROTE:**\n> *"Upon review, we determined that **Equifax and XXXX  were not accurately displaying your account.** As such, we submitted an Automated Universal Data form (AUD) # XXXX  to request that they update their reporting to match our records."*\n\n**LEGAL CONSEQUENCE:** **AUD #XXXX** is your written confession of inaccurate credit reporting. Under **FCRA  611(a)(5)(A)**, information you admit is inaccurate **MUST BE DELETED IMMEDIATELY.**\n\n ** YOUR CONTRADICTORY STATEMENTS PROVE WILLFUL VIOLATIONS**\n\n**In the SAME XXXX XXXX XXXX letter, you contradicted yourself:**\n> *"We have reviewed your account and determined that the information reported was **complete and accurate** as of the date(s) we furnished it."*\n\n**WILLFUL VIOLATION:** You cannot claim accuracy while simultaneously admitting inaccuracy **in the same letter.** This contradiction proves **willful disregard** for FCRA accuracy requirements, triggering **maximum statutory damages** of **$1,000 per violation** plus **punitive damages.**\n\n ** MATHEMATICAL IMPOSSIBILITIES DOCUMENTED BY YOUR RECORDS**\n\n**Your XXXX XXXX XXXX  Statement proves:**\n- **Balance:** XXXX  **Credit Limit:** XXXX XXXX **Impossible Overage:** XXXX**Your XXXX XXXX letter confirms this impossible debt:**\n> *"the account charged off on XXXX XXXX XXXX, with a balance of XXXXFEDERAL VIOLATION:** Reporting mathematically impossible debt amounts violates **FCRA  623(a)(1)** and constitutes **deceptive practices** under the **Consumer Financial Protection Act.**\n\n ** YOUR COLLECTION AGENT PROVED DEBT IS UNVALIDATABLE*XXXX XXXX., collecting on your behalf, made devastating admissions that destroy your case:**\n\n **FDCPA VIOLATION CONFESSIONXXXX admitted in writing to CFPB:**\n> *"inadvertently displayed accrued interest"* of XXXX in their initial collection notice\n\n**LEGAL CONSEQUENCE:** This constitutes a **clear FDCPA  1692e violation** for false representations. **YOU ARE VICARIOUSLY LIABLE** for your agent\'s federal law violations under established legal doctrine.\n\n **COMPLETE DEBT VALIDATION FAILURE**\n**Despite formal debt validation demand, XXXX XXXXFailed to provide** documentation of legal right to collect\n-  **Failed to provide** original signed credit agreement  \n-  **Failed to explain** account number discrepancies\n-  **Failed to provide** complete debt accounting\n- **Returned account to you WITHOUT validation**\n\n**LEGAL CONSEQUENCE:** **Unvalidated debts cannot be legally reported** to credit bureaus under **FCRA  623(a)(1)**. Your agent\'s validation failure destroys any legal basis for credit reporting.\n\n **COLLECTION AGENT CONFIRMED ACCOUNT NUMBER CHAOSXXXX  Documentation vs. Your Systems:XXXX XXXX collected on:** Account "ending in XXXX  **Your statement shows:** Account #XXXX XXXX XXXX XXXX XXXX  **Credit reports show:** Account #XXXXEven your own collection agent couldn\'t identify the correct account number.** This proves **systematic record-keeping failures** across your entire organization.\n\n**AGENT ADMITTED FALSE INFORMATIONXXXX confessed to providing false financial information:**\n- **False interest amount:XXXX XXXX XXXXinadvertently displayed"\n- **Mathematical errors** in debt calculations  \n- **Timeline inconsistencies** never resolved\n\n**If your agent admits to false information, how can you claim accurate credit reporting?**\n\n TIMELINE CONTRADICTIONS PROVE SYSTEMATIC FRAUD**\n\n**Your Statement vs. Credit Reporting:**\n- **Your statement:** Active through XXXX XXXX XXXX (charge-off date)\n- **Credit reports:** Closed XXXX XXXX XXXX **Impossibility:** 3+ months of activity after alleged closure\n\n**FRAUD INDICATOR:** These timeline contradictions suggest **systematic manipulation** of credit reporting data to maximize collection opportunities.\n\n ** ACCOUNT NUMBER CHAOS PROVES NEGLIGENT PRACTICES**\n\n**Multiple Account Numbers for Same Alleged Debt:**\n- **Credit reports:** XXXX XXXXYour statement:** XXXX XXXX XXXX XXXX XXXX **Your letters:** "ending in XXXXXXXX XXXX collection:** "ending in XXXX**NEGLIGENT VIOLATION:** Inability to maintain consistent account identifiers across your own systems and collection agents proves **negligent record-keeping** violating FCRA furnishing standards.\n\n **FEDERAL LAWSUIT WILL SEEK MAXIMUM DAMAGES**\n\n**FCRA Violations - Up to $1,000 Per Violation:**\n- ** 611(a)(5)(A):** Willful failure to delete admitted inaccurate information\n- ** 623(a)(1):** Willful furnishing of inaccurate information\n- ** 623(a)(2):** Failure to investigate disputes properly\n- ** 623(b):** Violation of furnisher duties\n\n **FDCPA Violations - Up to $1,000 Per Violation:**\n- **Vicarious liability** for XXXX admitted FDCPA  1692e violations\n- ** 1692e:** False representations through mathematical impossibilities\n- **Collection of unvalidated debt** in violation of federal law\n\n **Consumer Financial Protection Act Violations:**\n- **Deceptive practices** through mathematical impossibilities\n- **Unfair practices** through systematic record-keeping failures\n\n **Additional Damages:**\n- **Actual damages** from credit denials and increased interest rates\n- **Punitive damages** for willful violations\n- **Attorney\'s fees and costs**\n- **Injunctive relief** requiring deletion\n\n **EVERY DEFENSE DESTROYED BY YOUR OWN EVIDENCE**\n\n**You cannot claim:**\n\n** "ACCURACY"**\n- **YOU ADMITTED INACCURACY** (AUD #XXXX)\n- **Your agent admitted false information** (XXXX  CFPB response)\n- **Mathematical impossibilities** in your own statement\n\n ** "GOOD FAITH"** \n- **Contradictory statements** in same letter prove bad faith\n- **Agent\'s validation failures** show negligent practices\n- **Timeline manipulations** suggest intentional misconduct\n\n ** "PROPER INVESTIGATION"**\n- **Mathematical impossibilities** prove negligent practices\n- **Agent couldn\'t validate debt** despite legal requirement\n- **Account number chaos** shows systemic failures\n\n **DEBT VALIDITY"**\n- **Agent returned debt unvalidated**\n- **Mathematical impossibilities** prove artificial inflation\n- **Timeline contradictions** prove unreliable records\n\n **COMPREHENSIVE EVIDENCE PACKAGE READY FOR COURT**\n\n**Your Admissions:**\n- **Written confession** of inaccurate reporting (AUD #XXXX)\n- **Contradictory statements** in same letter\n- **Mathematical impossibilities** confirmed in your records\n\n**Your Agent\'s Violations:**\n- **FDCPA violation confession** (XXXX  CFPB response)\n-  **Complete validation failure** despite legal requirement\n-  **False information admissions** destroying credibility\n\n**Systematic Failures:**\n-  **Account number inconsistencies** across all systems\n-  **Timeline contradictions** between records\n-  **Record-keeping chaos** proving negligent practices\n\n## **CFPB AND REGULATORY COMPLAINTS ACTIVE**\n\n**Current complaints documenting violations:**\n- **CFPB Complaint:** Mathematical impossibilities and contradictory statements\n- **XXXX  Complaint:** Systematic record-keeping failures  \n- **XXXX  CFPB Response:** Agent\'s FDCPA violation admissions\n- **State regulator notifications** pending litigation filing\n\n **FINAL ULTIMATUM - 10 DAYS TO COMPLY**\n\n**You have exactly 10 DAYS from receipt of this letter to:**\n\n **DAY 1-3: IMMEDIATE DELETION**\n- **Delete account** from all credit bureau reports\n- **Submit deletion requests** to Equifax, XXXX XXXX **Cease all internal reporting** of this account\n\n **DAY 4-7: WRITTEN CONFIRMATION**\n- **Provide written confirmation** of deletion to all bureaus\n- **Confirm cessation** of all collection activities\n- **Guarantee no sale/transfer** of this unvalidated account\n\n**DAY 8-10: FINAL COMPLIANCE**\n- **Send written confirmation** of complete removal\n- **Provide reference numbers** for bureau deletion requests\n- **Confirm case closure** in your systems\n\n **LITIGATION WILL BE FILED ON DAY 11**\n\n**If this account is not deleted within 10 days:**\n\n **Federal Court Filing (Day 11):**\n- **U.S. District Court** for willful FCRA/FDCPA violations\n- **Your admission letters** as primary evidence\n- XXXX violation admissions** as additional evidence\n- **Maximum statutory damages** sought for all violations\n **Complete Evidence Package:**\n- **Your written admission** (AUD #XXXX)\n-  **Your contradictory statements** (same letter)\n-  **Your impossible debt documentation** (XXXX XXXX XXXX statement)\n- XXXX  FDCPA violation confession** (CFPB response)\n-  **Debt validation failure documentation** (XXXX  return)\n-  **Timeline contradiction evidence** (your records)\n-  **Account number inconsistencies** (all systems)\n\n### **Legal Team Prepared:**\n- **FCRA/FDCPA specialists** retained and ready\n- **Damages calculation** completed for all violations\n- **Court filing** prepared with comprehensive evidence\n- **Expert witnesses** consulted on systematic failures\n\n**THE TOTALITY OF VIOLATIONS**\n\n**Your organization has violated federal law through:**\n\n1. **WRITTEN ADMISSION** of inaccurate credit reporting\n2. **CONTRADICTORY STATEMENTS** proving willful disregard\n3. **MATHEMATICAL IMPOSSIBILITIES** violating accuracy standards\n4. **AGENT\'S FDCPA VIOLATIONS** creating vicarious liability\n5. **DEBT VALIDATION FAILURES** destroying legal basis\n6. **ACCOUNT NUMBER CHAOS** proving negligent practices\n7. **TIMELINE CONTRADICTIONS** suggesting fraud\n8. **SYSTEMATIC RECORD-KEEPING FAILURES** across organization\n\n**Each violation carries statutory damages up to $1,000 plus punitive damages.**\n\n## **NO FURTHER WARNINGS WILL BE GIVEN**\n\nThis is your **FINAL OPPORTUNITY** to avoid federal litigation:\n\n**10 DAYS TO DELETE  \n OR FACE MAXIMUM DAMAGES IN FEDERAL COURT**\n\n**Your admissions and your agent\'s violations have created an unwinnable case.XXXX XXXX: Delete this account within 10 days or explain your comprehensive violations to a federal judge.**\n\n**Your choice. Choose wisely.**\n\n**Sincerely,*XXXX XXXX*COMPREHENSIVE EVIDENCE PACKAGE:**\n- XXXX XXXX  admission letter** (AUD #XXXX  - inaccuracy confession)\n- **XXXX XXXX contradiction letter** (XXXX XXXX XXXX)  \n- **XXXX XXXX impossible debt statement** (XXXX XXXX XXXX)\n- **XXXX  FDCPA violation confession** (CFPB response)\n- **XXXX  debt validation failure** (account return documentation)\n- **Credit reports showing mathematical impossibilities**\n- **Documentation of account number inconsistencies** (all systems)\n- **Timeline contradiction evidence** (statements vs. credit reports)\n\n**CERTIFIED MAIL - RETURN RECEIPT REQUESTED**  \n**COPY TO LEGAL COUNSEL**\n\n---\n\n** DEADLINE: 10 DAYS FROM RECEIPT**  \n**FEDERAL LAWSUIT FILING: DAY 11**\n\n--'

Company response to consumer: Closed with explanation