Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XXXX  XXXX XXXX : XXXX has challenged several alleged debts. Requested Cease + Desist of reporting this information YET EXPERIAN. EQUIFAX and TRANSUNION have persisted to date. 
Several LAWS have been violated, infringement and defamation to begin with. 

Dear Equifax, Experian, and TransUnion, This correspondence serves as a formal notice of your ongoing violations and legal liabilities regarding the continued reporting of inaccurate, false, and defamatory debt information on my consumer credit reportsdespite a prior cease and desist request issued and received by all three credit bureaus. 

Violations Committed : 1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. : Failure to maintain reasonable procedures to assure maximum possible accuracy of the information reported. 
Continued reporting of a debt previously disputed and identified as inaccurate constitutes willful noncompliance under 1681n. 
Negligent failure to investigate and remove false information under 1681i.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. : If the debt in question was reported by a third-party collector, your continued furnishing of false and unvalidated information after a cease and desist constitutes deceptive and abusive practices under 1692e and 1692c. 

3. Violation of State Defamation and Consumer Protection Laws : The publication and repetition of false information after a cease and desist constitutes defamation of character, exposing you to claims of reputational harm and emotional distress. 
Under many state consumer protection laws, including Unfair or Deceptive Acts and Practices ( UDAP ) statutes, knowingly reporting false information may be subject to treble damages and statutory penalties. 

4. Failure to Honor Cease and Desist Request ( Constructive Notice ) : Your agencies were notified through formal correspondence of the falsified nature of the debt in question and instructed to cease and desist reporting the disputed tradeline ( s ). 
The continued reporting following this instruction reflects a willful disregard for consumer protections and constitutes bad faith. 

DEMAND FOR IMMEDIATE REMEDY : 1. Immediate deletion of the disputed and falsely reported debt entry from my credit reports. 

2. Written confirmation from each bureau that this entry has been permanently removed.

3. A full reinvestigation and documentation of all parties who verified the disputed debt after receiving the cease and desist.

4. Inclusion of this letter in my permanent credit file as a formal statement of dispute. 

If this matter is not resolved within 10 business days of this correspondence, This is an attempt to pursue full compliance, and any legal remedies available, including but not limited to formal complaints with the Consumer Financial Protection Bureau ( CFPB ). 

Additional correspondence will be initiated failure to respond to the Federal Trade Commission ( FTC ), and civil litigation for damages resulting from defamation, statutory violations, and emotional distress. 

This email serves as AN " ESCALATIONS MEASURE '' Sincerely, XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX ] XXXX XXXX SSN : [ XXXX ]

Company response to consumer: Closed with explanation