Consumer complaint received 2024-08-20
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. (FL)

I am writing to demand the immediate deletion of inaccurate accounts and unauthorized inquiries from my credit reports. The inaccuracies have persisted despite my efforts to resolve them, and I am compelled to take this action due to the following : 1. Impact of Equifax Data Breach : As a victim of the Equifax data breach, my personal information was exposed, leading to potential fraudulent activity and significant inaccuracies in my credit reports. This breach has jeopardized my financial integrity and is directly linked to the erroneous entries currently on my reports. I have filed a report with the Federal Trade Commission ( FTC ) to document this issue and will provide proof of my involvement in the Equifax data breach. 

2. Accounts to be Deleted I have disputed the following accounts multiple times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The disputes occurred on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts are either reporting inaccurate amounts and account numbers, I do not recognize, do not belong to me, or are otherwise incorrect. Specifically, XXXX XXXX XXXX is not licensed to collect in Florida, as I have previously disputed and provided proof of this. Despite repeated requests, I have not been provided with assignment contracts, purchase agreements, or substantial proof that these accounts belong to me. 

3. Unauthorized Inquiries : The following unauthorized inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  4. Inaccurate Reporting and Variations : Inaccurate address variations and name discrepancies are present on my reports. My name must match the name on my drivers license : and only my current address should be listed. No XXXX XXXX is no variations of address or any addresses that do not belong to me. The correct information is listed below : Full Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The presence of variations is a violation of 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ), which require accurate and current information. Additionally, the reporting agencies have exceeded the legally mandated 30-day investigation period, further violating 15 U.S.C. 1681i ( a ). 

5. Civil Liability and Maximum Accuracy : The failure to maintain maximum accuracy and the delay in processing disputes impose civil liability on the credit reporting agencies. As per 15 U.S.C. 1681n, individuals are entitled to damages for violations of their rights under the Fair Credit Reporting Act ( FCRA ). This includes the failure to provide evidence and the delay beyond the legally prescribed period. 

6. No Further Investigations : I am not requesting another 30 to 60-day investigation period. I have endured prolonged disputes with insufficient results. This letter serves as a demand for the immediate deletion of these entries. Continued failure to act appropriately will result in legal action. 

7. Demand for Immediate Action : Given the lack of evidence and the connection to the Equifax data breach, I am demanding the immediate removal of all inaccurate accounts and unauthorized inquiries. Failure to comply will lead to further legal action, as I am fully prepared to pursue this matter in court. 

Please confirm the removal of these entries from my credit reports without