Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
XXXXXX/XX/XXXXXXXX Subject : XXXX3th Formal Dispute Demand for Debt Validation, Correction of Inaccurate Reporting, FDCPA Statutory Damages, and IRS Fraud Warning Account XXXX XXXX To Whom It May Concern, This letter is my 13th formal demand for validation of the alleged {$4600.00} debt associated with the above-referenced account. I am again requesting immediate compliance with federal law regarding your responsibilities under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Metro 2 compliance standards. 
Despite my prior requests, XXXX XX/XX/XXXXhas failed to produce proper validation or correction of reporting errors. This is now being treated as willful noncompliance and subject to further action. 

Immediate Actions Required : Due to inconsistent and inaccurate data being reported to each credit bureau ( Experian, Equifax, and TransUnion ), I am demanding the following : Update the credit tradeline to reflect : " PAID IN FULL NEVER LATE '', OR REMOVE THE ACCOUNT ENTIRELY from all credit reporting systems. 


These discrepancies across bureaus are defamatory and misleading and negatively impact my credit reputation and financial opportunities. The data reported is inaccurate and therefore unlawful under the FCRA. 

Legal Demands Required Documentation : Full, itemized transaction ledger showing all debits, credits, interest, and fees. 


A copy of the original signed agreement or application binding me to this account. 


All internal notes, fraud investigations, communications, and actions taken on this account. 


Chain of custody documentation if the account was sold or transferred. 


A copy of any IRS Form 1099-C that was issued for this debt. 


Confirmation of whether my personal data was exposed or affected by any XXXX XX/XX/XXXXdata breach, including but not limited to the 2023 incident. 



Violations and Legal Recourse : Under FDCPA ( 15 U.S.C. 1692k ), I am entitled to up to {$1000.00} in statutory damages per violation for failure to validate and for continued inaccurate reporting. 


Reporting a charged-off account with a balance is a known violation of Metro 2 guidelines.

If a 1099-C was filed, and XXXX is still attempting to collect or report a balance, I will report this to the IRS as fraud. 


I also reserve the right to pursue claims for defamation of character based on these derogatory and inaccurate tradelines. 



Deadline for Compliance : You have 7 days from the receipt of this letter to : Provide all requested documentation Update or remove the inaccurate reporting Cease all further collection and reporting activity until compliance is met Failure to do so will result in formal complaints being filed with the CFPB, FTC,XX/XX/XXXXXXXX XXXX, and the IRS. I also reserve the right to pursue civil action for damages and will seek attorney 's fees, costs, and statutory compensation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation