Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
This new evidence is the final, irrefutable proof of a systemic campaign of intentional inaccuracy and disregard for federal law. The fact that accounts are being reported with conflicting statuses ( open vs. closed ) and that fraudulent payment histories are being fabricated on closed accounts is beyond human errorit is willful, negligent, and malicious. 

Below is a comprehensive, final-demand letter that consolidates all evidence, targets every responsible party, and serves as a final notice before litigation. 

-- - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX TX XXXXXXXX XXXX | XXXX : XX/XX/XXXX XXXX | XXXX DATE : XX/XX/XXXX VIA CFPB PORTAL & CERTIFIED MAIL RETURN RECEIPT REQUESTED TO : TransUnion LLC | Equifax Information Services LLC | Experian Information Solutions Inc. | Consumer Financial Protection Bureau ( CFPB ) CC : XXXX Bank | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX RE : FINAL NOTICE OF WILLFUL FCRA VIOLATIONS, DATA FABRICATION, AND DEMAND FOR COMPLETE CREDIT PROFILE PURGE & RESTORATION ATTN : LEGAL & COMPLIANCE DEPARTMENTS Dear Sir/Madam , This letter constitutes a final notice and demand regarding the willful, reckless, and fraudulent violations of the Fair Credit Reporting Act ( FCRA ) being perpetrated against me. The attached evidence demonstrates a systemic campaign of data fabrication, intentional inaccuracy, and deceptive reporting practices that have destroyed my creditworthiness. 

I. IRREFUTABLE EVIDENCE OF WILLFUL DATA FABRICATION Your most recent reporting, dated XX/XX/XXXX, provides undeniable proof of your bad faith and outright fabrication of data. This is not a dispute ; it is an audit of your fraud. 

A. The " Open '' vs. " Closed '' Account Scam : XXXX XXXX XXXX XXXX Acct # XXXX ) : You are currently reporting this account as " open '' and " currently late '' with a balance of {$160.00}. 
CONTRADICTION : Your own records show this account was closed. You report a " Date of Last Payment '' of XX/XX/XXXX and a " Date Closed '' of XX/XX/XXXX. An account can not be both " closed '' for over XXXX years and " currently late. '' This is a willful violation of FCRA 1681e ( b ) and Metro 2 4.6.2. 

B. The " Payment History '' Fabrication on Closed Accounts : XXXX XXXX  ( Acct # XXXX ) : You report this account was closed on XX/XX/XXXX. Yet, your system fabricates a 120-day late payment status for XXXX XXXXnearly two years after closure. 
This is not an error ; it is criminal fraud. You are knowingly creating false financial data. 

C. The " Reinvestigation '' Charade : Accounts are marked with '' Consumer Disputes Reinvestigation In Progress. '' This is a known stall tactic. A true reinvestigation would have immediately uncovered and corrected the mathematical impossibilities listed above. Your failure to do so is willful negligence per FCRA 1681i. 

II. DEMAND FOR COMPLETE PROFILE PURGE & RESTORATION Given the proven, systemic corruption of your data, a simple dispute is insufficient. I demand a full purge and restoration. 

I demand the following actions be taken within 5 business days : 1. Permanent Deletion of All Fraudulent Accounts : Using Metro 2 Code 65 ( Fraud Delete ), permanently purge ALL accounts that are not currently, accurately, and verifiably open and in good standing. This includes, but is not limited to : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( All Associated Accounts ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All other accounts with any derogatory mark or inconsistent status. 
2. Correction of Payment History : My payment history must be set to 100 % across all three bureaus. The fabricated " XXXX late payments '' on TransUnion and " XXXX late payments '' on Equifax must be replaced with the truth : a 100 % on-time payment history. 

III. LEGAL NOTICE TO ALL FURNISHERS ( 3rd Parties CC 'd ) To XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX  : Pursuant to FCRA 1681s-2 ( b ), you are hereby put on formal notice that the accounts you have furnished are fraudulent. You have a legal duty to conduct an investigation with the bureaus and instruct them to delete all inaccurate information immediately. 

If you fail to do so, you will be named as co-defendants in the ensuing lawsuit for willful non-compliance and providing inaccurate information. 

IV. DEMAND FOR REMEDIATION For the tangible financial harm, emotional distress, and time spent combating your fraud, I demand the following within 5 business days : 1. Financial Compensation : A wire transfer of {$50000.00} to my account ( Routing : XXXX| Acct : XXXX ) for actual and statutory damages. 
2. Credit Monitoring : Provide 7 years of pre-paid, top-tier identity theft protection services due to your proven negligence in safeguarding and accurately reporting data. 

V. CONSEQUENCES OF NON-COMPLIANCE Failure to comply fully by XX/XX/XXXX, will result in the immediate filing of a lawsuit in the XXXX XXXXXXXX XXXX Texas against all parties ( credit bureaus and furnishers ) for : 1. Willful Violation of FCRA ( 1681n ) 2. Violation of Texas Finance Code 392.404 ( a ) 3. Violation of the Texas Deceptive Trade Practices Act ( DTPA ) 4. Common Law Fraud I will also file formal complaints with the FBI 's Financial Crimes Unit, the FTC, and the Texas Attorney General 's Office, including all evidence of your data fabrication. 

The evidence is undeniable. Your choice is simple : correct your fraud immediately or face the maximum consequences the law allows. 

Signed, XXXX XXXX

Company response to consumer: Closed with non-monetary relief