Consumer complaint received 2025-05-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Compliance & Consumer Disputes Department RE : FORMAL COMPLAINT, DISPUTE, AND DEMAND FOR CORRECTION UNDER FCRA, FDCPA, TILA, AND MICHIGAN LAW Account Name/Number : XXXX NOTICE OF FRAUDULENT ACCOUNT REPORTING IDENTITY THEFT To Whom It May Concern : This formal Notice of Dispute is issued pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1692 et seq. under the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. 1601 et seq. under the Truth in Lending Act ( TILA ). Michigan laws including MCL XXXX ( Identity Theft Protection Act ) are also invoked in this matter.

I. NATURE OF DISPUTE This communication serves as a formal demand to delete, correct, and cease all reporting of the account alleged to be associated with XXXX XXXX XXXX, which is being erroneously reported on my consumer credit files. The following violations are at issue : 1. Reporting of Two ( 2 ) Distinct Charge-Off Statuses for a single account, which constitutes inaccurate and misleading data ; 2. Repetitive and Unfounded Reporting of Late Payment Statuses, post-charge-off, which violates credit industry standards and the FCRA ; 3. Failure to Properly Investigate Prior Dispute ( s ) as required under 15 U.S.C. 1681i ( a ) ; 4. Failure to Mark the Account as Fraudulent/Blocked after receiving notice and proof of identity theft in violation of 15 U.S.C. 1681c-2 and MCL XXXX ; XXXX. Ongoing Injury Due to False, Inaccurate, and Deceptive Credit Reporting, impacting my right to obtain fair credit access and damaging my reputation. 

This account has been confirmed to be a result of identity theft. Attached herewith is a police report and FTC Identity Theft Report substantiating my claim. You are legally obligated to cease and desist from any further collection activity or reporting of this item.

II. LEGAL GROUNDS FOR DEMAND A. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681s-2 ( b ) Duty of a furnisher to investigate disputes after being notified by CRA ; 15 U.S.C. 1681c-2 Block of information resulting from identity theft ; 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting.

B. Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692e ( 8 ) Communication of false credit information, including failure to communicate that a disputed debt is disputed ; 15 U.S.C. 1692f Use of unfair or unconscionable means to collect or attempt to collect any debt.

C. Truth in Lending Act ( TILA ) Concerns Under 15 U.S.C. 1637, if the account was opened without my knowledge, authorization, or lawful disclosure, then it fails to meet the disclosure and consent provisions of TILA ; Any finance charges, terms, or credit extensions applied without express written agreement are fraudulent and void ab initio.

D. Michigan Identity Theft Protection Act ( Act XXXX of 2004 ) MCL XXXX ( XXXX ) A person shall not obtain, possess, transfer, or use personal identifying information with intent to defraud ; MCL XXXX ( XXXX ) If a police report of identity theft is filed, a business must not sell, transfer, or place for collection any debt claimed to result from the identity theft ; MCL XXXX Obligates credit reporting agencies and furnishers to block reporting of fraudulent accounts upon receipt of proper notice and documentation. 



XXXX. FORMAL DEMAND Accordingly, I demand the following : XXXX. Immediate deletion and permanent suppression of the XXXX, XXXX account from all consumer reporting agencies ( Equifax, XXXX XXXX XXXX XXXX. ) ; XXXX. Written confirmation of investigation and resolution within the 30-day period required by 15 U.S.C. 1681i ; 3. Cease all collection efforts and third-party transfers relating to this fraudulent account ; 4. Mark the account as in dispute and identity theft fraudulent on all internal and external databases ; 5. Provide written certification of compliance under XXXX XXXX and FCRA 1681c-2 ( b ).

IV. NOTICE OF POTENTIAL LITIGATION Failure to comply within the legally prescribed timeframe will result in immediate escalation to state and federal regulatory authorities, including : Michigan Attorney General Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Civil litigation in U.S. District Court Statutory damages, punitive damages, and attorneys fees will be pursued under 15 U.S.C. 1681n, 1681o, and MCL XXXX, as applicable. 



Respectfully submitted, XXXX XXXX XXXX, trustee Authorized Representative, Secured Party Creditor By Special Appearance, In Propria Persona, All Rights Reserved Without Recourse, UCC 1-308 Enclosures : FTC Identity Theft Report Police Report Copy of Credit Report Highlighting Disputed Items Affidavit of Identity Theft ( optional, can be drafted if needed ) Prior Dispute Letters ( if any )

Company response to consumer: Closed with explanation