Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute, a demand for reinvestigation, and a Cease and Desist Notice in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and related provisions under the Fair and Accurate Credit Transactions Act ( FACTA ).

Disputed Accounts ( Inaccurate / Fraudulent ) 1. XXXX XXXX XXXXXXXX / XXXX Account Number : XXXX Opened : XX/XX/XXXX ( future-dated ; clearly inaccurate ) Amount : {$0.00} This account is inaccurate and not mine. The open date reflects a future month, which violates FCRA 1681e ( b ) ( maximum accuracy requirement ). This item must be removed immediately.

2. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Amount : {$510.00} I have no contractual relationship or consent tied to this account. Under FCRA 1681b ( permissible purpose ) and 1681e ( a ) ( reasonable procedures ), you are legally required to verify this account with proper documentation or delete it within 4 business days.

Unauthorized Inquiries Cease and Desist The following hard inquiries were not initiated or authorized by me, and I do not have accounts tied to any of them : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XX/XX/XXXX Under FCRA 604 ( a ) ( 2 ) - ( 3 ) and 15 U.S.C. 1681b, these inquiries are a violation of my consumer rights and must be deleted immediately. You are not permitted to furnish or maintain records without my consent or a valid permissible purpose.

CEASE AND DESIST DEMAND FDCPA 805 ( 15 U.S.C. 1692c ) This letter also serves as your official CEASE AND DESIST NOTICE. Under 15 U.S.C. 1692c ( c ) and 1681b, you are hereby ordered to : Cease and desist all reporting, furnishing, or verifying of the above accounts and inquiries on my credit report.

Cease all communication with me related to these items, unless it is for the purpose of legal compliance or confirmation of their permanent removal.

Failure to comply with this notice will be documented as a willful violation of federal law, and I will pursue statutory damages up to {$1000.00} per violation under 15 U.S.C. 1681n, 1681o, and 1692k, in addition to actual damages and legal fees.

You Are Legally Required to : 1. Conduct a reinvestigation within 30 days of receipt ( FCRA 1681i ) 2. Remove any unverifiable, inaccurate, or unauthorized information 3. Send me a free updated copy of my credit report showing all deletions 4. Provide me with written confirmation of the investigation results IDENTIFYING INFORMATION : Name : [ Your Full Legal Name ] DOB : [ MM/DD/YYYY ] SSN ( last 4 digits only ) : XXX-XX- If you fail to take action in compliance with this demand, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ), and pursue litigation in accordance with my legal rights.

Sincerely,

Company response to consumer: Closed with non-monetary relief