Consumer complaint received 2025-11-17 00:00:00
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.
State: TX

Complaint narrative:
Date : XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FTC ID Theft Report # : XXXX To : XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, PA XXXX FORMAL NOTICE OF IDENTITY THEFT, UNAUTHORIZED DATA FURNISHING, AND DEMAND FOR COMPLETE FILE DELETION UNDER FEDERAL LAW To the XXXX Compliance and Consumer Relations Department : This letter serves as a formal dispute, identity theft notification, and statutory demand for immediate and complete deletion of ALL consumer data, inquiries, reports, files, derivative datasets, and shared information associated with my personal identifying information. 

A verified FTC Identity Theft Report ( # XXXX ) has been filed, which activates your mandatory duties under federal law, including identity theft blocking, reinvestigation, and permanent destruction of unlawfully furnished data. 

Your possession, retention, or distribution of any information about me constitutes ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and CFPB Regulation V. 

This notice outlines the specific statutory violations XXXX is now responsible for : I. FEDERAL LAW VIOLATIONS 1. FCRA 602 ( A ) XXXX is maintaining consumer information that is inaccurate, unverified, unreliable, and obtained without lawful authorization, violating the requirement to ensure maximum possible accuracy. 

2. FCRA 603 ( q ) Identity Theft Classification Because no application, authorization, or permissible purpose exists for Innovis to hold my information, this data legally qualifies as identity theft information.

3. FCRA 604 ( a ) No Permissible Purpose I have never applied for any product, service, or credit that would give XXXX or its furnishers any lawful authority to access or retain my data. 

No written consent exists. 

No business relationship exists. 

No legally recognized permissible purpose exists. 

Retention of my information is unlawful.

4. FCRA 605B / 15 U.S.C. 1681c-2 Mandatory Blocking and Deletion Upon receiving an FTC Identity Theft Report, XXXX must block ALL data associated with identity theft within FOUR ( 4 ) BUSINESS DAYS.

It is illegal to refuse or delay.

5. FCRA 609 ( e ) Duty to Provide Identity Theft Documentation XXXX is required to supply all documents, applications, inquiries, logs, data points, and transmissions associated with the fraudulent furnishing of my information. 

6. FCRA 611 Failure to Reinvestigate Any refusal to reinvestigate or inability to verify the information independently mandates full deletion, not correction.

7. FCRA 623 ( a ) ( 1 ) ( A ) Illegal Furnishing Any entity that provided XXXX with my data did so without my consent, making XXXX retention and distribution unlawful. 

8. FCRA 616 & 617 Civil Liability XXXX is now exposed to : Statutory damages Actual damages Punitive damages for willful noncompliance Attorney fees and legal costs 9. CFPB Regulation V ( 12 CFR 1022 ) You are in violation for retaining and distributing identity-theft data and failing to meet adverse action and reinvestigation responsibilities.

10. GLBA 68016803 Nonpublic Personal Information Violations Your unauthorized possession and handling of my data violates federal privacy and security obligations.

11. FACTA Red Flags Rule ( 16 CFR 681.2 ) XXXX failed to detect, prevent, and mitigate identity theft indicators associated with my file. 

XXXX. FORMAL DEMANDS ( MANDATORY UNDER FEDERAL LAW ) You are hereby required to : Delete ALL data, files, inquiries, reports, and derivative datasets associated with my identity. 

Block all identity theft information in accordance with FCRA 605B.

Halt ALL sharing, selling, transmitting, or storing of my personal information. 

Provide : A full list of EVERY entity to whom XXXX has furnished my information within the past 24 months ALL documents, recordings, applications, logs, or sources connected to the acquisition of my data Written certification that ALL data has been deleted and permanently blocked Respond within FOUR ( 4 ) BUSINESS DAYS, as mandated by federal law.

III. LEGAL NOTICE OF INTENT Failure to comply will result in : CFPB complaint filings FTC enforcement submissions State Attorney General consumer protection complaints Civil litigation seeking statutory and punitive damages This letter serves as documented evidence of XXXX notice of identity theft. 

IV. RESPONSE DEADLINE You are legally required to comply within FOUR ( 4 ) BUSINESS DAYS under 15 U.S.C. 1681c-2. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FTC Report # : XXXX

Company response to consumer: Closed with non-monetary relief