Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal and non-negotiable demand for the immediate removal of multiple fraudulent and unverified debt entries being illegally reported on my consumer reports by various furnishers, including the named company, in clear violation of federal law. 

The entity reporting this debt has failed to produce verifiable, original documentation proving lawful assignment or ownership of the alleged debt. Consequently, they lack a Permissible Purpose to furnish or maintain these tradelines under FCRA 604 and FCRA 623. Their continued, willful reporting of these entries constitutes a clear and actionable pattern of consumer harm. 

Account Violations and Deletion Demand I demand the IMMEDIATE DELETION of the following accounts from all three nationwide credit reporting agencies ( TransUnion, Experian, and Equifax ) : XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) : Deletion demanded due to lack of lawful assignment and verification. 

XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Deletion demanded due to lack of lawful assignment and verification. 

XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) : Deletion demanded due to lack of lawful assignment and verification. 

XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX  ) : Deletion demanded for failure to validate ownership and FDCPA violation. 

XXXX ( TransUnion ) ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) : Deletion demanded due to lack of Permissible Purpose ( Validate or Delete Demand ). 

Willful Misconduct and Failure to Investigate Upon prior notice of dispute, the furnishers and the Credit Reporting Agencies ( CRAs ) have failed to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). Specifically, they have failed to produce the following non-negotiable items : The original contract bearing my verifiable signature for each account. 

A complete, itemized accounting of the debt, showing the balance, fees, and interest accrual. 

The unbroken chain of custody ( full assignment history ) demonstrating the current reporting entity 's legal right to collect and report the debt. 

The inability to produce these foundational documents confirms that the continued reporting is reckless, willful misconduct. This action also constitutes communicating false credit information in violation of FDCPA 807 ( 8 ) and attempting to collect amounts not permitted by law per FDCPA 809. I cite the precedent set in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) regarding false representations of the legal status of the debt. 

Criminal and Regulatory Consequences Be explicitly warned : Any refusal to immediately delete these unverifiable entries will be viewed as a knowing and willful attempt to mislead and defraud a federal agency ( the CFPB ) and the consumer, which exposes all responsible parties to : Criminal Fraud : Violations of 18 U.S.C. 1001 ( false statements to federal agencies ) and 18 U.S.C. 1341 and 1343 ( mail and wire fraud ). 

Civil Litigation : Immediate filing of a Federal FCRA and FDCPA lawsuit in U.S. District Court seeking statutory and punitive damages, along with legal fees. 

Regulatory Referral : Referral of this matter to the Federal Trade Commission ( FTC ) and the State Attorney General 's Office for pattern and practice violations. 

Final Demand and Ultimatum My demand is deletion from all three credit reporting agencies ( TransUnion, Experian, and Equifax ) not mere suppression or a " dispute '' remark. 

The unverified debt must be deleted now. Failure to provide confirmation of deletion across all three bureaus within XXXX days of this filing will trigger the immediate legal and regulatory escalation outlined above. 

This is a non-negotiable ultimatum. Proceed with deletion.

Company response to consumer: Closed with non-monetary relief