Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15155673
Complaint Overview
Complaint ID: 15155673
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 94531
Date Received: 2025-08-07T12:00:00-05:00
Date Sent to Company: 2025-08-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
DISPUTE OF DEBT & DEMAND FOR VERIFICATION TO : TRANSUNION FROM : XXXX XXXX XXXX XXXX Address : c/o XXXXXXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX RE : Formal Dispute of Alleged Debt and Demand for Verification This letter serves as a lawful dispute and demand for validation under 15 U.S.C. 1692g ( b ), in response to your collection attempts regarding an alleged debt that has been assigned or sold to your agency. I hereby dispute the validity, amount, and legal enforceability of this alleged obligation. You are now on notice that I demand full and complete validation, not mere recitation of previous balance summaries. You are required by law to cease all collection activity until full verification is provided, including : 1. The original signed agreement allegedly binding me, 2. Proof of lawful consideration extended by the original creditor ( UCC 3-303 ( b ) ), 3. Full GAAP/FASB-compliant accounting showing what was loaned, risked, or transferred, 4. Chain of custody/assignment, proving your agency has standing to collect, 5. Evidence of creditor status, not servicer or proxy, and 6. Proof that the debt has not been : o Charged off and monetized, o Canceled and reported to the IRS ( XXXX ), or o Previously sold or securitized, thereby discharging the obligation. XXXX. No Lawful Consideration = No Debt Under XXXX XXXX, a negotiable instrument is not valid unless value was given. If the original loan or account was funded by the monetization of my signature, and your client never risked its own capital, there exists no valid claim for repayment. XXXX. Constructive XXXX and Unjust XXXX If the creditor retained or monetized my original agreement as a receivable or financial asset, and you now demand payment without having extended value, this constitutes constructive fraud and unjust enrichment. XXXX. NON INJURIS XXXX XXXX XXXX He who consents can not be injured. I do not consent to an unconscionable transaction. If value was never provided, and the agreement was materially misrepresented at inception, any injury claimed by you is the result of your or your clients own defective transaction, not my willful action. You may not enforce an obligation arising from : Fraud in the factum, Failure to disclose the source of funds, Breach of fiduciary duty, or Mischaracterized equity claims disguised as debts. You are further required under 15 U.S.C. 1681s-2 ( b ) to ensure that all credit information furnished is accurate, verifiable, and complete. Until full validation is provided, you may not : Report this tradeline to credit bureaus, Threaten to report it, Reinsert deleted information without proper notice, or Continue attempts to collect in violation of law. You have 15 days to provide the following : XXXX. Full validation of debt, with original contract and proof of consideration XXXX. XXXXcompliant accounting showing entries from inception XXXX. IRS filings ( 1099-C, 1099-A or 1099-OID, if applicable ) 4. Chain of title and legal assignment to your agency 5. Immediate cessation of collection activity until all of the above are produced XXXX. Deletion of any tradeline you have furnished to TransUnion
Frequently Asked Questions
What is Complaint #15155673 about?
Complaint #15155673 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-07T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.