Consumer complaint received 2025-05-26 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:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : [ Insert Filing Date ] To Whom It May Concern, This is a formal consumer complaint demanding immediate intervention and enforcement regarding multiple federal violations committed by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Experian, and Equifax, in connection with the reporting of false, misleading, and damaging account information on my consumer credit file. The conduct involved is not only unlawful under the Fair Credit Reporting Act ( FCRA ), but amounts to institutionalized deception, collusion, and debt slavery that must be addressed with regulatory and civil remedies. 



XXXX XXXX XXXX Fraudulent Late Payment Reporting and Lack of Permissible Purpose Account : XXXXXXXX XXXX XXXX XXXX * Violations : FCRA 1681s-2 ( a ) ( 1 ) : Discover furnished inaccurate late payment data without proper notice or validation.

FCRA 1681s-2 ( a ) ( 7 ) : No 30-day pre-notice was provided before furnishing negative data.

FCRA 1681i ( a ) ( 1 ) ( A ) : Despite multiple disputes, no reasonable reinvestigation has been conducted.

FCRA 1681e ( b ) : The inaccurate data continues to be certified as verified without evidentiary basis.

FTC Act 45 ( a ) : Reporting misleading payment history when full contractual disclosure wa
s never made constitutes a deceptive trade practice.

Demand : Immediate permanent removal of this account or all derogatory late payment history. This account was never fully validated, and under TILA ( 15 U.S.C. 1631 ), no disclosures were provided to explain how XXXX would report or misreport delinquency status. Their internal policy of auto-certifying disputes as accurate must end. I also demand disclosure of Discovers method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 



XXXX. XXXX XXXX XXXX XXXX Misrepresentation and Debt Laundering via False Classification Account : XXXXXXXX XXXX XXXX XXXX XXXX  Violations : FTC Act 45 ( a ) : XXXX XXXX continues to report this credit sale as an auto loan, inflating liability and misrepresenting the structure of the transaction. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Falsely reporting the classification and balance, creating undue financial harm.

18 U.S.C. 894 : Use of coercive misreporting and reclassification to demand payment qualifies as extortionate credit collection. 
Truth in Lending Act ( TILA ) 1631 : XXXX XXXX failed to provide accurate, conspicuous disclosures of how the transaction would be classified or affect consumer reporting. 
FCRA 1681b : No permissible purpose exists to report a misrepresented credit sale.

Demand : Immediate deletion of this account across all credit bureaus and full investigation of the unlawful classification used by XXXX XXXX. I also demand a copy of the original signed agreement and classification policy used to justify this misreporting. 



3. Experian & Equifax Collusion, Misuse of Personal Information, and Failure to Block Inaccurate Data Despite multiple proper disputes and supporting documentationincluding my FTC Identity Theft ReportExperian and Equifax continue to knowingly report and certify the XXXX and XXXX XXXX XXXX XXXX accounts as accurate. 

Violations : FCRA 1681c-2 ( Section 605B ) : Refusal to block disputed information within four business days.

FCRA 1681e ( b ) : Failure to ensure data accuracy.

FCRA 1681i ( a ) : Sham investigations conducted and marked complete without consumer engagement. 
Collusion : Both CRAs have financial ties to furnishers and allow them to pay for placement on consumer filesa system of legalized extortion. 
Breach of Fiduciary Duty : Experian and Equifax are data custodians, yet act in alignment with creditor interests in violation of XXXX XXXX XXXX, and violate the duty of good faith and fair dealing. 



4. Systemic Abuse and Debt Slavery This conduct is part of a broader system of digital debt bondage where : Consumers are stripped of rights. 
Disputes are ignored. 
Accounts are verified with no documentation. 
Agencies profit from pay-to-report collusion with creditors. 

This is digital debt peonage disguised as credit reporting. By withholding my right to accurate reporting and ignoring procedural safeguards, these entities are enslaving me to errors and false financial reputations, in violation of : XXXX Amendment ( in spirit ) : Freedom from involuntary servitude includes financial entrapment by bad-faith actors. 
42 U.S.C. 1983 : Civil rights violations arising from policy and practice by agencies acting under color of law. 



FINAL RESOLUTION DEMAND I hereby demand : XXXX. Immediate removal of the XXXXXXXX XXXX XXXXnd XXXX XXXX XXXX XXXX accounts from Experian and Equifax files. 
2. Full disclosure of verification methods and identity of third-party furnishers certifying this data.

3. Permanent block on re-reporting under FCRA 605B.

4. Regulatory investigation of collusion and monetized data reporting by credit bureaus in violation of consumer protection statutes.

Failure to comply will result in : FTC and State AG complaints Civil litigation for statutory, punitive, and actual damages exceeding {$200000.00} Public exposure of systemic violations tied to consumer data exploitation Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief