Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
FINAL NOTICE PRE-LITIGATION DEMAND FOR DELETION Failure to Verify Debt / Willful FCRA & FDCPA Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Re : Account No. Unknown as it is not listed on credit report NOTICE OF WILLFUL NONCOMPLIANCE DEMAND FOR DELETION To Whom It May Concern, This letter serves as * * formal notice prior to litigation * * regarding your continued reporting of the above-referenced account. 

I have * * repeatedly disputed this alleged debt * * and demanded verification. Despite multiple requests, XXXX XXXX XXXX XXXX has failed to provide competent, admissible evidence * * establishing that this debt is valid, accurate, or legally owed by me. Nonetheless, you continue to furnish this information to consumer reporting agencies. 

Your conduct now constitutes * * willful noncompliance * * with federal law. 

-- - Legal Violations Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute, it must : * Conduct a * * reasonable investigation * * ; * Review * * actual documentation * *, not merely internal data; * * * Correct or delete * * information that can not be verified. 

You have failed to meet these obligations. Continued reporting of an unverified debt violates * * 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681s-2 ( b ) * *. 

Courts have consistently held that * * re-reporting unverifiable information after notice of dispute constitutes a willful violation * *, exposing the furnisher to statutory and actual damages.

-- - Fair Debt Collection Practices Act ( FDCPA ) If XXXX XXXX is acting as a debt collector, your conduct further violates : * 15 U.S.C. 1692e * * false or misleading representations ; * 15 U.S.C. 1692g ( b ) * * continued collection and reporting without validation ; * 15 U.S.C. 1692f * * unfair and unconscionable collection practices. 


Failure to Produce Required Documentation To date, you have failed to produce : * A * * signed contract or agreement * * bearing my signature; * A complete * * chain of assignment/title * * proving your legal ownership; * An * * itemized accounting * * of the alleged balance; * Proof the debt is * * within the statute of limitations * *; * Proof of your * * authority to collect and report * * this account. 

Without this documentation, the debt remains * * legally unverified * *. 


* * Demand for Immediate Deletion * * Because you have failed to verify this account after repeated disputes, you are now * * legally obligated to delete * * it. 

Accordingly, I hereby demand that XXXX XXXX : 1. * * Delete this account immediately * * from Equifax, XXXX XXXX XXXX  ; 2. Cease all reporting and collection activity related to this account ; 3. Provide * * written confirmation of deletion * * within * * 10 calendar days * * of receipt of this letter. 



* * Notice of Intent to File Suit If this matter is not resolved within * * 10 days * *, I am prepared to proceed without further notice by : * Filing suit in * * federal court * * for violations of the * * FCRA and FDCPA * *; * Seeking * * statutory damages, actual damages, punitive damages, attorneys fees, and costs * *; * Filing complaints with the * * CFPB, FTC, and State Attorney General * *. 

This letter constitutes a * * good-faith pre-litigation demand * *. Any further reporting of this account without proper verification will be documented as * * knowing and willful misconduct * *. 

Nothing in this letter shall be construed as an acknowledgment of liability or a refusal to pay a valid debt. It is a demand for * * lawful compliance * *. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation