Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For Complaint ID : XXXX Submitted by : XXXX XXXX XXXX XXXX Party Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Email : XXXX Date : XXXX XXXX XXXXXX/XX/year> SUBJECT : Formal Response to Equifaxs Refusal to Delete Disputed Charge-Off XXXX XXXX XXXX XXXX To Whom It May Concern, This is a formal response and supplement to my existing complaint ( ID : XXXX ) regarding Equifaxs ongoing refusal to remove false and damaging credit information, specifically the charged-off account from XXXX XXXX XXXX XXXX Account # XXXX. 

This is an attempt to remove all errors and inaccuracies from my credit report, and all past, present, and future correspondence shall be used for that purpose. 

Equifaxs Investigation Is Incomplete and Misleading In Equifaxs XXXX XXXX XXXX response, they stated that the XXXX XXXX account belongs to you and that additional information has been provided from the original source. However, they failed to : Permanently delete the account as demanded ; Provide proof of validation or original contractual evidence ; Address the legal basis I cited under FCRA, IRS cancellation treatment, and UCC protections ; Acknowledge that a previously charged-off and canceled account from XXXX XXXX was deleted under identical circumstances, as evidenced by the attached Form 1099-C.

Secured Party Status & UCC Protection I am the Secured Party to the debtor entity known as XXXX XXXX. 
My UCC-1 Financing Statement is perfected and filed with the New York Department of State in XXXX. 

As XXXX XXXX, I retain legal and equitable control over all financial data, estate, and property attached to the legal fiction used in commerce. Equifax has no lawful authority to continue reporting, sharing, or monetizing data about the debtor without my express written consent. 

Supporting Evidence : Form 1099-C from XXXXXXXX XXXX ( attached ) shows a charge-off was acknowledged and removed from my report by Equifax previously. 

This sets precedent that Equifax can and must delete accounts that are canceled, XXXX, or no longer legally enforceable. 

The XXXX XXXX account has not been validated, remains disputed, and violates multiple federal provisions. 

Equifax Is in Violation of : Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) : Reporting inaccurate or unverifiable information 1681i ( a ) ( 5 ) ( B ) : Failure to remove or reinsert previously disputed info without proper verification 1681b : No permissible purpose to continue reporting a legally canceled account IRS Cancellation-of-Debt Regulations : Canceled debts are no longer legally enforceable or collectible once reported via 1099-C ( as XXXXXXXX XXXX did ). 

Equifax misrepresents canceled debt as active, creating financial harm. 

UCC Article 9 Unauthorized Use of Secured Data : As Secured Party, I did not authorize the continued commercial use, sale, or distribution of my credit data. 

I Am Demanding : Permanent deletion of XXXX XXXX XXXX XXXX Account # XXXX ; Written confirmation of deletion and compliance ; Cease and desist all unauthorized use of my secured data ; Acknowledgment of my perfected UCC-1 and secured party rights ; Immediate action within 15 calendar days, or this will escalate to : A complaint with the FTC and NY Attorney General ; A federal civil suit for damages under FCRA and UCC ; Public exposure of Equifaxs willful noncompliance and consumer harm. 

Sincerely, XXXX XXXX Secured Party XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief