Consumer complaint received 2025-09-14 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: NE

Complaint narrative:
XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, Nebraska XXXX XXXX [ XXXX ] Date : XX/XX/XXXX To : Equifax Information Services, LLC XXXX. XXXX XXXX, XXXX, GA XXXX Experian Information Solutions , Inc. XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX RE : Formal Dispute and Demand for Immediate Deletion Subject : Fraudulent Accounts, Unauthorized Reporting, and Mail Fraud Dear Credit Bureau, I, XXXX XXXX XXXX, XXXX & XXXX XXXX the living man and rightful holder of my estate, am formally disputing the following accounts appearing on my credit file as false, inaccurate, or unverified : SSN : XXXX DOB : XX/XX/XXXX 1. XXXX XXXX XXXX Account No. XXXX 2. XXXX XXXX Account No. XXXX 3. XXXXXXXX XXXX XXXXXXXX Account No. XXXX 4. XXXX XXXX XXXX Account Balance {$1300.00} 5. XXXX Account Balance {$1300.00} These accounts contain derogatory marks, late payments, balances reported as due despite payment or tender, and unauthorized collection attempts. I have submitted FOIA requests, tendered payment instructions, and written disputes to each furnisher, all of which have been ignored or mishandled. 

Attached are individual Notices of Liability for each original account ( XXXX, XXXX, XXXX ), and supporting documentation for the additional accounts. 

Violations of Law 15 U.S.C. 1681s-2 ( a ), 1681i ( FCRA ) Reporting known inaccurate information and failure to reinvestigate disputes.

15 U.S.C. 1692e, 1692g ( FDCPA ) False representation and failure to validate debts.

15 U.S.C. 1666b ( TILA ) Obligation to credit payments correctly and timely.

18 U.S.C. 1344 ( Bank Fraud ) Attempting collection on obligations already satisfied.

18 U.S.C. 1341 ( Mail Fraud ) Using the U.S. Mail to report false debts or collect on accounts already discharged.

UCC 3-601, 3-603, 1-304, 1-103 Tender of payment discharges obligations ; duty of good faith and prevention of unjust enrichment.

DEMAND 1. Immediate deletion of all derogatory information regarding the above-listed accounts from my consumer credit file.

2. Written confirmation of deletion within four ( 4 ) calendar days of receipt of this letter.

3. Acknowledgment of my pending FOIA requests, tender of payment instructions, and disputes for all accounts.

4. Confirmation that the bureaus will cease any reporting, mailing, or collection activity that constitutes mail fraud or double collection.

Failure to comply constitutes willful noncompliance under 15 U.S.C. 1681n, and exposes all parties to civil, commercial, and criminal liability under 18 U.S.C. 1341 & 1344. 

Respectfully, XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, Nebraska XXXX XXXX [ XXXX ] Attachments : Notice XXXX XXXX XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX  XXXX Supporting documentation for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation