Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX TO : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( or most recent address on file ) RE : Formal Demand for Deletion Willful FCRA, FDCPA & NC Debt Collection Violations Equifax Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX To Whom It May Concern : This is a formal demand and legal notice regarding the fraudulent and illegal reporting of a debt currently attributed to XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX, as seen on my Equifax credit report. You are in clear violation of multiple consumer protection laws, both federal and state. 

FACTS & FINDINGS : Equifax reports a Date of First Delinquency ( XXXX  ) as XX/XX/XXXX but shows the account being assigned to XXXX on XX/XX/XXXX. 

This shows Re-aging of the debt in violation of 15 U.S.C. XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). 

Artificial extension of reporting time to damage my credit longer than allowed by law.

Balance remains stagnant at {$240.00} nearly a year later no itemization, no last payment date, no interest, no fees. This is a misrepresentation of the amount owed in violation of : FDCPA XXXX ( XXXX ) ( A ) False representation of character or amount of debt. 

FCRA XXXX ( b ) Failure to ensure maximum possible accuracy. 

The tradeline contains the comment : Consumer Disputes This Account Information, yet no reinvestigation or correction has been made. This violates : FCRA XXXX ( a ) Reasonable investigation not performed. 

FCRA XXXX ( b ) ( XXXX ) Furnisher failed to correct or delete inaccurate data. 

I was never provided proper notice, debt validation, or original documentation under FDCPA XXXX ( a ), despite the debt being reported and used to damage my credit. 

No legally admissible contract, signed agreement, or billing records have been provided to show this debt is valid, accurate, or owed. 

NORTH CAROLINA LAW VIOLATIONS : Under XXXX XXXX XXXX. XXXX and XXXX, XXXX and/or XXXX XXXX  are also in violation of the North Carolina Debt Collection Act : Misrepresenting the amount or legal status of the alleged debt. 

Reporting and attempting to collect a debt without first validating it. 

Continuing to communicate or report disputed debt without resolving the dispute or ceasing all collection. 

This conduct constitutes unfair or deceptive acts or practices in trade or commerce under XXXX. XXXX, entitling me to treble damages and attorneys fees if this matter proceeds to civil litigation. 

CASE LAW & PRECEDENT : XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies cant rely on furnishers and must conduct their own investigation. 

XXXX v. Equifax ( XXXX ) : Continued reporting of inaccurate tradelines after notice of dispute results in liability. 

FTC v. XXXX XXXX XXXX XXXX ( XXXX ) : Debt buyers and collectors were penalized for failing to properly validate and report debts, even when dollar amounts were small. 

State of Maryland v. XXXX XXXX ( XXXX ) : Unlicensed debt collection, lack of documentation, and illegal reporting resulted in a ban and restitution. 

XXXXXXXX XXXX XXXX  XXXX v. XXXX Collections ( XXXX ) : NC-based debt collector fined for violating NC Debt Collection laws by misreporting and refusing to remove false tradelines. 

LEGAL DEMANDS : I am demanding, under federal and state law : Immediate and permanent deletion of this tradeline from all consumer reporting agencies. 


Cessation of all reporting, collection, or third-party communications related to this debt until you can legally validate it. 

A corrected credit file mailed to me within XXXX days, per FCRA guidelines. 

FAILURE TO COMPLY : If you do not remove this tradeline within XXXX days, I will pursue the following without additional notice : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), North Carolina Department of Justice, and XXXX XXXX XXXX XXXX XXXX XXXX 

Contact local media to investigate improper debt reporting in North Carolina. 

Pursue civil damages in court under : FCRA XXXX ( actual, statutory, and punitive damages ) FDCPA XXXXXXXX XXXX XXXX ( Unfair and Deceptive Trade Practices ) YOU ARE NOW ON LEGAL NOTICE. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief