Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12833639
Complaint Overview
Complaint ID: 12833639
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: New York
ZIP Code: 11434
Date Received: 2025-04-04T12:00:00-05:00
Date Sent to Company: 2025-04-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
For Complaint ID : XXXX Submitted by : XXXX XXXX XXXX XXXX Party Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Email : XXXX Date : XXXX XXXX XXXXXX/XX/year> SUBJECT : Formal Response to Equifaxs Refusal to Delete Disputed Charge-Off XXXX XXXX XXXX XXXX To Whom It May Concern, This is a formal response and supplement to my existing complaint ( ID : XXXX ) regarding Equifaxs ongoing refusal to remove false and damaging credit information, specifically the charged-off account from XXXX XXXX XXXX XXXX Account # XXXX. This is an attempt to remove all errors and inaccuracies from my credit report, and all past, present, and future correspondence shall be used for that purpose. Equifaxs Investigation Is Incomplete and Misleading In Equifaxs XXXX XXXX XXXX response, they stated that the XXXX XXXX account belongs to you and that additional information has been provided from the original source. However, they failed to : Permanently delete the account as demanded ; Provide proof of validation or original contractual evidence ; Address the legal basis I cited under FCRA, IRS cancellation treatment, and UCC protections ; Acknowledge that a previously charged-off and canceled account from XXXX XXXX was deleted under identical circumstances, as evidenced by the attached Form 1099-C. Secured Party Status & UCC Protection I am the Secured Party to the debtor entity known as XXXX XXXX. My UCC-1 Financing Statement is perfected and filed with the New York Department of State in XXXX. As XXXX XXXX, I retain legal and equitable control over all financial data, estate, and property attached to the legal fiction used in commerce. Equifax has no lawful authority to continue reporting, sharing, or monetizing data about the debtor without my express written consent. Supporting Evidence : Form 1099-C from XXXXXXXX XXXX ( attached ) shows a charge-off was acknowledged and removed from my report by Equifax previously. This sets precedent that Equifax can and must delete accounts that are canceled, XXXX, or no longer legally enforceable. The XXXX XXXX account has not been validated, remains disputed, and violates multiple federal provisions. Equifax Is in Violation of : Fair Credit Reporting Act ( FCRA ) : 1681s-2 ( a ) ( 1 ) : Reporting inaccurate or unverifiable information 1681i ( a ) ( 5 ) ( B ) : Failure to remove or reinsert previously disputed info without proper verification 1681b : No permissible purpose to continue reporting a legally canceled account IRS Cancellation-of-Debt Regulations : Canceled debts are no longer legally enforceable or collectible once reported via 1099-C ( as XXXXXXXX XXXX did ). Equifax misrepresents canceled debt as active, creating financial harm. UCC Article 9 Unauthorized Use of Secured Data : As Secured Party, I did not authorize the continued commercial use, sale, or distribution of my credit data. I Am Demanding : Permanent deletion of XXXX XXXX XXXX XXXX Account # XXXX ; Written confirmation of deletion and compliance ; Cease and desist all unauthorized use of my secured data ; Acknowledgment of my perfected UCC-1 and secured party rights ; Immediate action within 15 calendar days, or this will escalate to : A complaint with the FTC and NY Attorney General ; A federal civil suit for damages under FCRA and UCC ; Public exposure of Equifaxs willful noncompliance and consumer harm. Sincerely, XXXX XXXX Secured Party XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12833639 about?
Complaint #12833639 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-04T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.