Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13828112
Complaint Overview
Complaint ID: 13828112
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Michigan
ZIP Code: 48224
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-05-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX, AttorneyGeneralofMichigan XXXX, Chair, FederalTradeCommission XXXX ActingComptrolleroftheCurrency Subject : UnconditionalDemandforImmediate, CompleteDeletionofFraudulentInquiryfromAllCreditReportsFederalStatutoryViolations, LegalPenalties, BindingCaseLaw, andDoctrinalMandates in CanonLaw, ATreatiseonSuitsinChancery, ElementsofEcclesiasticalLaw, and the KingJamesBible FTCIdentityTheftReportNumber:XXXX To the PrivacyCompliance Department and all responsible parties for the following fraudulent inquiry : XXXX inquiry inquiry dateXXXX This letter is a firm and irrevocable demand for the immediate, permanent deletion and complete removal of all information concerning the abovereferenced fraudulent inquiry from my credit reports with XXXX Equifax, and XXXX The continued presence of this inquirydespite clear documentation proving it originated from identity theft ( FTCIdentityTheftReportNumberXXXX ) violates multiple federal statutes, binding case law, and core principles of CanonLaw, ATreatiseonSuitsinChancery, ElementsofEcclesiasticalLaw, and the KingJamesBible. This communication leaves no room for negotiation. These doctrines universally condemn the perpetuation of falsehoods, demand immediate remedy for unjust harm, and establish the obligation of truth and integrity in all dealings. Each section herein presents exhaustive statutory citations, caselaw support, and doctrinal analysis to justify immediate deletion. Federal Violations under the Fair Credit Reporting Act ( FCRA ) a. MaximumPossibleAccuracy Requirement15U.S.C.1681e ( b ) Penalty : $ XXXXperviolation. Violation by the fraudulent inquiry listed above : Despite my dispute and FTC identitytheft report, the inquiry remains on my file, misrepresenting my credit application history and causing measurable harm. Supporting case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " No one may unlawfully harm the good reputation which a person enjoys '' ). Statutory penalty calculation : {$3000.00}. b. Prohibition on Outdated Adverse Information15U.S.C.1681c ( a ) ( 4 ) Penalty : $ XXXXperviolation. The inquiry dated XXXX is inaccurately recorded, effectively reaging adverse information. Supporting case law : XXXX XXXX XXXX ( XXXX ). CanonLaw/Biblical principle : Canon2211 and Proverbs11:1. Statutory penalty calculation : {$2000.00}. c. Failure to Investigate Disputed Information15U.S.C.1681i Penalty : $ XXXXperviolation. No goodfaith investigation followed my dispute for this inquiry. Supporting case law XXXX XXXX XXXXXXXX ( XXXX ). XXXX mandate : XXXX ( right to defend ones good name ). Statutory penalty calculation : {$3000.00}. d. Knowingly Reporting False Information15U.S.C.1681s2 ( a ) Penalty : $ XXXXperviolation. The inquiry continues to be reported after receipt of incontrovertible evidence of fraud. Supporting case law : XXXX ( XXXX ). XXXX foundation : XXXX ; XXXX. Statutory penalty calculation : {$3000.00}. Total FCRA penalty exposure : {$11000.00}. Additional Violations under the Truth in Lending Act ( TILA ) Misrepresentation of the fraudulent inquiry violates TILAs transparency mandates. CanonLaws insistence on truth and restitution ( XXXX, XXXX ) reinforces these statutory requirements. Final Demand In light of the above federal statutes, enforceable penalties, binding case law, and CanonLaw doctrines of justice and restitution, I demand the immediate and permanent deletion of the fraudulent XXXX inquiry from every consumerreporting database. Noncompliance will result in formal complaints to the FTC, CFPB, OCC, and the Michigan Attorney General, as well as civil litigation seeking monetary damages. Total statutory penalty exposure to date : {$33000.00}. I expect written confirmation of deletion within 15days of your receipt of this notice.
Frequently Asked Questions
What is Complaint #13828112 about?
Complaint #13828112 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-05-31T12:00:00-05:00.
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.