Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
Subject : Notice of violation of the Fair Debt Collection Practices and the Fair Credit Reporting Act and the Federal Statutes Demand for immediate Remedy and Compensation. 
Dear XXXX XXXXXXXX .This letter serves as formal notice regarding your violation of federal laws, including but not limited to the Fair Debt Collection Practices Act and Fair Credit Reporting Act in regard to this erroneous account you are reporting, XXXX XXXX XXXX XXXX XXXX XXXX. 

Your attempts to collect an alleged debt through unlawful means and your reporting of false and inaccurate information have resulted in multiple legal violations as outlined below. FDCPA violations of the FDCPA 1 ) 15 USC 1692 et.seg ). Your actions have violated the following sections of the FDCPA, : 2 ) 15 USC1692b Providing false or misleading information when contacting third parties. 3 ) 15 USC 1692c Failure to cease communication after request to stop. 4 ) 15 USC 1692d Harassment : XXXX, or abuse in connection with debt collection. 
5 ) 15 USC 1692e Use of false deceptive and misleading representation 6 ) 15 USC 1692g.

Failure to validate the debt upon request. 7 ) 15 USC 1692j Furnishing deceptive forms as part of the collection tactics. I am demanding {$1000.00} for each violation of the FDCPA as allowed by law.

( GLBA violations ( Gramm-Leach- Blilley Act.FCRA violations 15 USC 1681s2 ) . By reporting false and inaccurate information to credit reporting agencies. 
XXXX XXXX has violated 15 USC 1681s-2 for reporting an account that was disputed and you wrongfully verified stating account belongs to me and thereby ignoring the true basis of my dispute which was based on your placing negative information on my report without sending me notice which is a requirement under FCRA 623 ( a ) ( 7 ) and is a duty in accordance with 603 ( p ) as your company and Equifax are both financial institutions. 
I received results on XX/XX/year>. 
Showing that you illegally verified and updated the erroneous account on my credit report again.

Your actions demonstrate reckless and willful non compliance with consumer protection laws.

Your collection efforts and actions also appear to violate federal extortion laws and statutes, including but not limited to 18 USC 873, Extortion involving wrongful demands for payment.18 USC 875 interstate communications involving threats. 18 USC 88, Demands for payments under false pretenses. Demands for PROOF and additional information I am formally requesting. : 1.A wet ink of any legal agreement or instrument that establishes my liability to you for this alleged debt along with the legal transfer information and purchase agreement with the names of all parties involved.

Your blatant disregard for all laws and statutes listed compounds your violations.

Remedy sought I demand the following actions be taken immediately.

1 ) Permanent removal of the account you are reporting to Equifax and any and every credit reporting agency that you may be erroneously reporting this alleged account to and Payment of {$1000.00} for each violation.

2 ) A written acknowledgement of your violations and confirmation that all collection activities cease. Failure to comply with these demands within 15 days may result in further legal action, including but not limited to complaints to CFPB, FTC, ACA, AG offices in your state and mine with the BBB and any media outlets willing to interview me. 
Delete alleged account XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation