Consumer complaint received 2024-08-03 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Iowa XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Mi XXXX XXXX My Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Violation and Demand for Action I am writing to formally lodge a complaint regarding the continuous and unauthorized reporting of my credit information to a credit agency by XXXX XXXX XXXX XXXX, which constitutes a direct violation of a cease and desist notice I issued over XXXX months ago. Despite this notice, the company continued its illegal communication and reporting, causing significant distress and harm to my financial standing.see complaint # XXXX whereas they acknowledge receipt and honoring of the cease and desist demand which quotes as follows : The consumer may contact our office Monday through Thursday from XXXX to XXXX XXXX or Friday XXXX to XXXX EST. Our toll free number is XXXX. Due to the consumer 's request to cease and desist, the consumer will be required to rescind their cease and desist order prior to XXXX being able to communicate with them. 



# # # Violations 1. **Cease and Desist Violation : ** Despite my clear cease and desist notice, XXXX XXXX XXXX XXXX continued to report my credit information to a credit reporting agency for over XXXX months. This constitutes a form of communication that should have ceased immediately. Furthermore, this communication must also include the deletion of my information from my credit consumer report. 

2. **Failure to Validate Debt Post-Cease and Desist : ** After lifting the cease and desist notice to request basic validation information, XXXX XXXX XXXX XXXX has ignored my request entirely. The debt in question does not belong to me, and the companys refusal to provide validation is unacceptable. 

3. **Violation of the Dunning Period : ** XXXX XXXX XXXX XXXX XXXX XXXX the dunning period by furnishing information to credit reporting agencies XXXX days after the alleged last bill was due without ever contacting me. This failure to adhere to the proper debt collection timeline is a violation of my rights. 

4. **Fair Credit Reporting Act Violation ( 15 U.S.C . 1681b ) : ** The continued reporting of my credit information without my explicit written instruction and permission is a violation of 15 U.S.C. 1681b. I challenge [ Collection Company Name ] and the credit reporting agency to produce any documentation proving that I have given such permission. As I have not provided such authorization, this reporting is illegal and must cease immediately. 

5. **Identity Theft and Assumption Deterrence Act Violation ( 18 U.S.C . 1028A ) : ** By passing my nonpublic personal financial information without lawful authority, both [ Collection Company Name ] and the credit reporting agency are in violation of 18 U.S.C. 1028A. This is a serious offense and will not be tolerated.

# # # Itemized Damages for Harassment and Abuse If I choose to litigate for the harassment and abuse caused by [ Collection Company Name ] 's actions over the nine-month period, I will be seeking damages for the following : - Emotional distress : {$10000.00} - Impact on credit score : {$5000.00} - Legal fees : {$2500.00} - Total : {$17000.00} # # # Notice of Potential Litigation Should these demands not be met promptly, I will have no choice but to seek legal remedies for harassment and abuse. This will include filing a lawsuit for each violation outlined above. Be advised that this will include claims for damages due to the continued distress and impact on my financial standing caused by your illegal actions. 

# # # Conclusion Please treat this matter with the utmost urgency and respond in writing within 14 days of receipt of this letter. Failure to comply with these demands will result in immediate legal action. 

Sincerely, XXXX XXXX -- - **Cc : ** - Federal Trade Commission **Enclosures : ** - Copy of Cease and Desist Notice - Relevant Documentation for Reference

Company response to consumer: Closed with explanation