Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
# OFFICIAL CONSUMER PROTECTION NOTICE # # FORMAL DISPUTE AND DEMAND FOR VERIFICATION * * TO ALL CREDITORS, DEBT XXXX, CREDIT REPORTING AGENCIES, AND DATA FURNISHERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I. NOTICE OF DISPUTE AND DEMAND FOR PROOF Pursuant to 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681i ( Fair Credit Reporting Act ), I hereby dispute all alleged debts, accounts, and derogatory information being reported or collected in my name. 

XXXX XXXX  REQUIRED DOCUMENTATION MUST INCLUDE XXXX XXXX XXXX XXXX  Original signed contract with full disclosure of terms - Chain of title proving legal standing to collect - Complete payment history and accounting - Proof of compliance with all applicable consumer protection laws # # XXXX. REVOCATION OF CONSENT TO DATA PROCESSING Under 15 U.S.C. 1681b, I revoke any presumed consent for the collection, retention, or dissemination of my personal information for any unverified or disputed accounts.

* * IMMEDIATE CESSATION REQUIRED : * * - All credit reporting of disputed items - Third-party data sharing - Collection activities on unverified debts - Unauthorized credit inquiries # # XXXX. LEGAL VIOLATIONS AND CONSEQUENCES Continued reporting or collection activities without proper verification constitutes violations of : * * Federal Statutes : * * - 15 U.S.C. 1681e ( b ) - Maximum possible accuracy requirement - 15 U.S.C. 1681n - Willful noncompliance penalties ( $ XXXX {$1000.00} per violation ) - 15 U.S.C. 1681o - Negligent noncompliance penalties ( actual damages ) - 15 U.S.C. 1692 et seq. - FDCPA violations ( {$1000.00} per violation ) * * Common Law Claims : * * - Defamation per XXXX - Intentional infliction of emotional distress - Tortious interference with business relations- Invasion of privacy XXXX XXXX XXXX CONTRACTUAL DISPUTES I dispute the validity of any alleged agreements based on : - Lack of informed consent - Absence of consideration - Duress or incapacity at time of alleged agreement - Failure to provide mandatory disclosures - Unconscionable terms or practices * * BURDEN OF PROOF : * * Any party claiming a debt exists must provide clear and convincing evidence of a valid, enforceable agreement. 

XXXX XXXX XXXX CREDIT CREATION ACKNOWLEDGMENT It is well-established in banking practice that credit is created through the borrowers signature and promise to pay, not through the transfer of existing funds. Therefore, I assert that my signature created the credit, constituting performance of my obligation under any alleged agreement. 

XXXX XXXX XXXX. DAMAGES AND ENFORCEMENT * * STATUTORY DAMAGES AVAILABLE : XXXX XXXX XXXX  FCRA violations : $ XXXX {$1000.00} per violation plus actual damages - FDCPA violations : Up to {$1000.00} per violation plus actual damages - Punitive damages for willful violations - Attorney fees and costs * * ADDITIONAL REMEDIES SOUGHT : * * - Injunctive relief prohibiting further violations - Removal of all unverified information from credit files- Cease and desist from collection activities- Compensation for credit score damage and lost opportunities # # XXXX. DEMAND FOR COMPLIANCE * * YOU HAVE XXXX ( XXXX ) DAYS TO : * * XXXX. Provide complete verification of any claimed debt XXXX. Remove all disputed information from credit reports XXXX. Cease all collection and reporting activities XXXX. Confirm compliance with this notice in writing * * FAILURE TO COMPLY WILL RESULT IN : * * - Formal complaints to regulatory agencies- Legal action for maximum statutory and actual damages - Pursuit of injunctive relief - Criminal referrals where applicable # # XXXX. PRESERVATION OF RIGHTS This notice does not waive any rights under federal or state consumer protection laws. All rights are expressly reserved. Any attempt to interpret this notice as an admission of liability is rejected. 

* * NOTICE TO AGENT IS NOTICE TO PRINCIPAL * * * * NOTICE TO PRINCIPAL IS NOTICE TO AGENT * * -- -- - * * LEGAL AUTHORITY : * * This notice is issued under the authority of federal consumer protection statutes, state consumer protection laws, and constitutional due process rights. 

* * JURISDICTION : * * This matter is subject to federal jurisdiction under 15 U.S.C. 1681p and applicable state consumer protection statutes.

* * SERVICE : * * This notice is effective upon receipt and creates immediate legal obligations for all parties. 

-- -- - * This is a formal legal notice issued for consumer protection purposes. Failure to comply may result in legal consequences including monetary penalties and injunctive relief. *

Company response to consumer: Closed with explanation