Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXI am formally requesting the immediate deletion of any and all accounts and associated data that you may hold in my name. This request is made pursuant to violations of my rights under federal law, specifically the Gramm-Leach-Bliley Act (15 U.S. Code  6801), which mandates that financial institutions must protect the privacy of consumers' personal financial information and obtain consent before sharing or using such data. Your unauthorized use, retention, or sharing of my personal information constitutes a clear breach of this obligation and represents a serious invasion of my privacy. Furthermore, under 15 U.S. Code  1681c-2, the unauthorized use of my personal identifying information without my explicit consent may constitute identity theft, a federal offense. The use or maintenance of any account in my name without lawful basis or verifiable authorization is unacceptable and must cease immediately. Accordingly, I demand that you: Permanently delete all accounts, records, and data associated with my identity; Cease and desist all further use or dissemination of my personal information; Provide written confirmation that these actions have been completed. Failure to comply with this request may result in the initiation of formal complaints with the appropriate regulatory bodies, including the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB), and possible pursuit of legal remedies.XXXX XXXX XXXX account # XXXXXXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate openedXXXX XXXXBalance- $XXXX\nMonths terms- -\nHigh credit- XXXX\nCredit limit- -\nPast due - -\nPayment status- -\nAccount status--\nDate last active XXXXLast reported  XXXX account # XXXXAccount type- installment\nAccount type detail- debt buyer\nMonthly payment- -\nDate opened- XXXXBalance- $XXXXXXXXMonths terms- 1 month\nHigh credit- -\nCredit limit- -\nPast due - -\nAccount status- XXXXXXXXPayment status- -\nDate last active -XXXXLast reported  XXXXEquifax account # XXXXXXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- $XXXXDate opened- XXXXBalance- $XXXXMonths terms- -\nHigh credit- -\nCredit limit- $XXXXPast due - $XXXX\nAccount status- XXXXPayment status- -\nDate last active -XXXXLast reported  XXXXXXXX XXXX XXXX  account # XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXXBalance- $XXXX\nMonths terms- -\nHigh credit- XXXX\nCredit limit- -\nPast due - -\nPayment status- -\nAccount status--\nDate last active XXXX\nLast reported  XXXX account # XXXXXXXXAccount type- installment\nAccount type detail- debt buyer\nMonthly payment- -\nDate opened- XXXXBalance- $XXXXMonths terms- 1 month\nHigh credit- -\nCredit limit- -\nPast due - $XXXXAccount status- XXXXPayment status- -\nDate last active XXXXLast reported  XXXXEquifax account # XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXXBalance- $XXXXMonths terms- -\nHigh credit- -\nCredit limit- $XXXXPast due - $XXXXAccount status- XXXXPayment status- -\nDate last active XXXX XXXX XXXXSee extended payment history errorsXXXX XXXX XXXX  account # XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXXBalance- $XXXXMonths terms- -\nHigh credit- $XXXXCredit limit- -\nPast due - -\nPayment status- -\nAccount status--\nDate last active XXXXXXXXLast reported  XXXX  account # XXXXAccount type- installment\nAccount type detail- debt buyer\nMonthly payment- -\nDate opened- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount status- XXXXPayment status- -\nDate last active -XXXX XXXX XXXXXXXXEquifax account # XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate openedXXXX XXXX XXXX XXXX  - \nHigh credit- $XXXX XXXX XXXX XXXX XXXX XXXXAccount status- XXXXPayment status- -\nDate last active -XXXXLast reported XXXX XXXX XXXX  account # XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXXBalance- $XXXX XXXX XXXX XXXX XXXX XXXX -\nPast due - -\nPayment status- -\nAccount status--\nDate last active XXXX XXXX XXXX XXXX XXXX XXXXAccount type- installment\nAccount type detail- debt buyer\nMonthly payment- -\nDate opened- XXXX XXXXXXXXMonths terms- 1 month\nHigh credit- XXXX XXXX XXXX XXXX XXXX XXXXAccount status- XXXXXXXXPayment status- -\nDate last active XXXXLast reported  XXXXEquifax account # XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXX XXXXMonths terms- - \nHigh credit- $XXXXCredit limit- \nPast due - $XXXXAccount status- XXXXXXXXPayment status- -\nDate last active XXXXLast reported  XXXXSee extended payment history errors XXXX XXXX XXXX XXXX XXXX XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXXBalance- $XXXXMonths terms- -\nHigh credit- - $XXXXCredit limit- -\nPast due - -\nPayment status- -\nAccount status--\nDate last active XXXX XXXX XXXX  account # XXXXAccount type- installment\nAccount type detail- debt buyer\nMonthly payment- -\nDate opened- XXXX XXXXMonths terms- 1 month\nHigh credit- $XXXXCredit limit- -\nPast due -  $XXXXAccount status- XXXX XXXX XXXXDate last active XXXX XXXX XXXXEquifax account # XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXXBalance- $XXXXXXXXMonths terms- - \nHigh credit- $XXXXCredit limit- $XXXXPast due - XXXXAccount status- XXXXXXXXPayment status- -\nDate last active -XXXX XXXX XXXXee extended payment history errors XXXX XXXX XXXX XXXX XXXX XXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXX XXXXBalance- $XXXXMonths terms- -\nHigh credit- - $XXXXCredit limit- -\nPast due - -\nPayment status- -\nAccount status--\nDate last active XXXXLast reported  XXXX XXXX XXXX XXXXAccount type- installment\nAccount type detail- debt buyer\nMonthly payment- 1 month\nDate opened- XXXX XXXXMonths terms- 1 month\nHigh credit- $XXXXCredit limit- -\nPast due -  $XXXXAccount status- XXXXPayment status- -\nDate last active XXXXLast reported  XXXXEquifax account # XXXXXXXXAccount type- open account\nAccount type detail- open account\nMonthly payment- -\nDate opened- XXXXBalance- $XXXXMonths terms- - \nHigh credit- $XXXXCredit limit- -\nPast due - $XXXXAccount status- XXXXPayment status- -\nDate last active -XXXXLast reported  XXXXSee extended payment history errors"

Company response to consumer: Closed with non-monetary relief