Consumer complaint received 2024-12-25 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: TN

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Subject : Complaint Against XXXX XXXX XXXX for Non-Response to Rescission of Signature To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX regarding their failure to respond to my rescission of signature notice within the legally required timeframe under the Truth in Lending Act ( TILA ) and associated federal regulations. 

Background Information 1. Rescission of Signature Submission : XXXX OF XXXXsubmitted a Rescission of Signature to XXXX XXXX XXXX regarding a contract associated with my account [ Account Number or Reference ]. This rescission was tendered under my rights outlined in the Truth in Lending Act ( 15 U.S.C. 1635 ) and Uniform Commercial Code ( UCC 2-207, 3-603, and 3-306 ) due to the discovery of itemizations and contractual irregularities. 


XXXX. XXXX Non-Response Period : Under federal law, XXXX XXXX XXXX was required to respond to my rescission within 20 calendar days of receipt, either acknowledging the rescission or providing a written explanation rejecting the rescission along with supporting legal justification. To date, no response has been received. 



Complaint Details 1. Failure to Respond : XXXX XXXX XXXX has failed to provide any acknowledgment, acceptance, or rejection of my rescission of signature within the required timeframe. This constitutes a violation of the Truth in Lending Act and potentially other federal regulations governing consumer credit transactions. 


XXXX. Request for Notice of Non-Response : As part of this complaint, I am providing a Notice of Non-Response to XXXX XXXX XXXX, effectively declaring the contract void and unenforceable unless XXXX XXXX XXXX can provide evidence of their response to my rescission of signature within the legally required timeframe. 


XXXX. Request for Documentation : I formally request that XXXX XXXX XXXX provide written documentation detailing : Their response to my rescission of signature, if any. 

The specific legal basis, statutes, or terms that justify their response ( or lack thereof ). 




Resolution Requested I am seeking the following resolutions through this complaint : 1. A full and detailed response from XXXX XXXX XXXX regarding their failure to address my rescission of signature within 20 days. 


XXXX. A declaration that the contract is void and unenforceable due to their non-response, in accordance with applicable federal laws. 


XXXX. Compensation for any damages or adverse actions resulting from their failure to comply with the statutory requirements of the Truth in Lending Act. 



Supporting Documentation I have included the following documents with this complaint : A copy of the original rescission of signature letter submitted to XXXX XXXX XXXX. 

Proof of delivery showing the date XXXX XXXX XXXX received the rescission. 

Copies of any related correspondence or communications with XXXX XXXX XXXX. 


Conclusion This complaint is submitted in good faith and with the expectation that the Consumer Financial Protection Bureau will investigate this matter and ensure that XXXX XXXX XXXX complies with federal law. I respectfully request timely acknowledgment of this complaint and a response outlining the next steps in this matter.

Company response to consumer: Closed with non-monetary relief