Consumer complaint received 2025-03-13 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : FINAL NOTICE : Immediate Deletion of Unverified Collection Account Violation of 15 U.S.C. 1681i ( a ), 15 U.S.C. 1681n, and Unauthorized Use of E-Oscar Without Consent To Whom It May Concern, I am writing this letter to formally demand the immediate deletion of a fraudulent and unverified collection account reported by XXXX. XXXX XXXX XXXX on my credit report. This account, originally associated with XXXX XXXX XXXX, has been disputed multiple times and continues to remain on my report despite clear evidence that it is legally unenforceable. 

Unlawful Use of E-Oscar ( Violation of FCRA 1681i ( a ) ) I have been made aware that Equifax is using a third-party system called E-Oscar to " verify '' disputes related to collection accounts. Let me be abundantly clear : I do NOT authorize Equifax to use E-Oscar or any third-party system to verify any debt in my name. 
According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a reasonable investigation when a consumer disputes an account.

E-Oscar does NOT satisfy the federal definition of a " reasonable investigation '' under the Fair Credit Reporting Act ( FCRA ).

By using E-Oscar without obtaining my written consent, you have now violated 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), making you liable for statutory damages of {$1000.00} per day per violation. 


Factual Information Proving This Account Is Unenforceable The collection account in question is as follows : Creditor Name : XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount : {$1900.00} Current Amount : {$2300.00} Status : Unpaid Date Reported : XX/XX/XXXX ________________________________________ I Sued XXXX XXXX XXXX and Won ( Legal Proof Attached ) What makes this situation even more egregious is the fact that I have already sued XXXX XXXX XXXX in a court of law and WON my case. The judge ruled in my favor, confirming that I do NOT owe any debt to XXXX XXXX XXXX or their affiliated collection agency. 
Despite my legal victory, Equifax has : Failed to obtain verifiable proof of this debt from the original creditor. 
Used E-Oscar instead of conducting a real human investigation. 
Ignored the court ruling in my favor, continuing to damage my credit. 
I have attached a certified copy of the court judgment confirming my victory. Therefore, the continued reporting of this debt is not only inaccurate but also a blatant violation of : 15 U.S.C. 1681i ( a ) - Failure to conduct a reasonable investigation.

15 U.S.C. 1681s-2 ( b ) - Reporting inaccurate information.

15 U.S.C. 1681n ( a ) - Willful non-compliance, entitling me to statutory damages. 



My Formal Demand As a result of Equifax 's deliberate failure to comply with federal laws, I am now formally demanding the following : 1. IMMEDIATE DELETION of the collection account XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ) from my credit report. 
2. Written confirmation that the account has been deleted within 15 calendar days of receiving this letter.

3. Monetary compensation of {$1000.00} per day from the date you received my first dispute until the date of full deletion, as permitted by 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) for willful non-compliance.

4. Full disclosure of how this debt was " verified including copies of all documentation from the original creditor bearing my wet-ink signature. 

Legal Liability & Consequences If You Fail to Comply If Equifax fails to comply with my legal demand within 15 calendar days, I will pursue the following : 1. File a federal lawsuit against Equifax for : o Willful non-compliance under 15 U.S.C. 1681n ( a ).

o Negligent non-compliance Under 15 U.S.C. 1681o.

o Furnishing inaccurate information under 15 U.S.C. 1681s-2 ( b ).

2. Demand {$1000.00} per day in damages from the date of my original dispute.

3. Subpoena all internal records regarding Equifax 's use of E-Oscar in my case.

4. Request a court-ordered deletion of the collection account from my credit report.

Equifax must understand that I am fully aware of my legal rights under the Fair Credit Reporting Act ( FCRA ) and the United States Code ( USC ). Your failure to comply will result in Equifax paying heavy statutory damages plus legal fees. 


Supporting Documentation Attached I have attached the following : Court Judgment showing I won my case against XXXX XXXX XXXX Copy of my ID for identification purposes. 

Final Warning You now have 15 calendar days from the date of this letter to : Delete the collection account. 
Provide me with written confirmation of its removal. 
Remit payment for {$1000.00} per day as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

If you fail to do so, I will file a federal lawsuit in the U.S. District Court under : 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Willful non-compliance.

15 U.S.C. 1681s-2 ( b ) Reporting false information.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation. 
This is my final notice. Any further non-compliance will result in immediate legal action and financial penalties for Equifax. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation