Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Demand for Permanent Deletion ( With Prejudice ) of Unauthorized Child Support Reporting from My Credit Report Dear Sir or Madam, I am writing to formally demand the permanent deletion, with prejudice, of the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX reporting information from my credit file. I have never authorized any inquiry, use, or reporting of this information, and I contest its accuracy and legality. The continued inclusion of this disputed information on my credit report has caused significant damage, and I insist on its immediate removal under the applicable provisions of the Uniform Commercial Code ( UCC ) and the United States Code ( USC ), as well as the Fair Credit Reporting Act ( FCRA ).

Background : In response to my previous dispute through Experian and the CFPB portal, I received a summary stating that the data furnisher and public record vendor verified the contested child support information as accurate. However, I dispute this verification for the following reasons : Unauthorized Access and Reporting : I did not provide consent for any party to access, search, or report my personal information related to child support. Furthermore, the entity reporting this information is not the original creditor and lacks the authority to do so.

Only the original creditor can report these items, courts do not report Failure to Meet Verification Standards : Under UCC 1-201 ( 20 ), any verified record must be supported by evidence or sworn certification. Additionally, UCC 3-501 ( b ) ( 2 ) requires that the responsible party produce proper evidence of an obligation upon demand. The reporting source has not met these standards, and the courts do not report this type of data.

Legal Requirements Under the FCRA and USC : The FCRA, particularly 15 U.S.C. 1681i and 1681s-2, mandates that only accurate and fully verified information be reported. Since I did not consent to or authorize this inquiry, and the information in question lacks proper verification under the relevant UCC provisions, its continued presence on my credit report is unlawful. I assert that this item has exceeded the original statutory timeframe for permissible reporting, thereby necessitating its permanent removal. 
Demand for Immediate Action : Given the above points, I hereby demand : That the unauthorized child support information be permanently deleted with prejudice from all credit reporting agencies.

That no such information be reinserted or reported in the future unless it is fully verified, with documented evidence meeting the requirements set forth in both the UCC and USC.

Written confirmation within five ( 5 ) business days from the receipt of this letter detailing the deletion of the disputed item, as well as the steps taken to correct my credit file.

Demanding responsible compensation for this unlaw and gross negligence of an unauthorized 3rd party furnishing info, they have no rights to. Should this matter not be resolved promptly and satisfactorily, I reserve the right to pursue further administrative and legal actions to protect my rights under federal law.

Company response to consumer: Closed with explanation