Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Affidavit of Violations & Demand for Immediate Deletion Affidavit of the Living Man : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX / Authorized Representative of XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Notice of Standing I, XXXX XXXX XXXX, XXXX XXXX, natural man, hereby give notice and affidavit of violations committed by Equifax Information Services , LLC, regarding false, inaccurate, and unverified reporting.

2. Violations of Federal Law ( USC ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA ) Credit reporting agencies must reinvestigate disputes within 30 days. Over 30 days have passed without correction.

15 U.S.C. 1681s-2 ( b ) Furnishers of information must investigate disputed data ; failure to correct constitutes violation.

15 U.S.C. 1681e ( b ) Must assure maximum possible accuracy. Reporting inaccurate/false debt violates this.

15 U.S.C. 1681n & 1681o Civil liability attaches for willful and negligent noncompliance.

15 U.S.C. 1692e ( FDCPA ) Prohibits false representation of debt.

18 U.S.C. 242 Deprivation of rights under color of law.

3. Violations of UCC Protections UCC 1-308 I reserve all rights without prejudice.

UCC 1-103.6 Common law supplements UCC ; fraud voids all contracts. 
UCC 9-609/9-610 Enforcement requires lawful authority and proof ; no such proof has been presented.

4. Violations of CFPB & Regulatory Duties CFPB requires consumer reporting agencies to comply fully with FCRA timelines. Interim or no resolution beyond 30 days constitutes noncompliance.

Providing form responses without lawful verification constitutes bad faith.

5. Violations of XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX Unconscionable conduct in consumer transactions. 
XXXX XXXX XXXX. XXXX Good faith and fair dealing required ; reporting false debt violates this. 
XXXX XXXX XXXX. XXXX Obtaining signature or value by false pretenses constitutes fraud. 
XXXX XXXX, XXXX XXXX, XXXX XXXX protection and due process guaranteed ; denial by false reporting is unlawful.

6. Affidavit of Truth No verified contract with wet-ink signature exists between myself and XXXXEquifax for the alleged account ending in XXXX. 
No lawful evidence has been presented within the statutory 30-day period. 
By law, the item must be removed immediately from all reports.

7. Fair Resolution Required In accordance with FCRA, UCC, and XXXX XXXX law, the only fair and lawful resolution is : 1. Immediate Deletion Permanent deletion of the disputed XXXX account ( ending in XXXX ) from my Equifax file. 
2. Correction Across All Bureaus Equifax must notify XXXX XXXX XXXX of this deletion within 5 business days.

3. Written Confirmation Provide a mailed letter or CFPB upload confirming the deletion and correction.

4. Cease Reporting Cease and desist from reporting unverified or false information tied to me or my estate. 
XXXX. Damages for Noncompliance If Equifax fails to comply, I reserve the right to pursue : Statutory damages of {$100.00} {$1000.00} per violation under 15 U.S.C. 1681n.

Actual damages for harm suffered, including credit denials and stress.

Attorneys fees, court costs, and commercial liens under UCC.

8. Demand for Remedy I demand full compliance and deletion within 72 hours of receipt of this affidavit.

9. Notice to Agent is Notice to Principal Notice to Equifax, its agents, and officers constitutes notice to all.

Company response to consumer: Closed with explanation