Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : FINAL LEGAL NOTICE FRAUDULENT ACCOUNTS FROM YOUR DATA BREACH | DEMAND FOR {$16000.00} IN DAMAGES | 24-HOUR FINAL DEADLINE To Whom It May Concern, This is your final and formal legal notice. You are on record for knowingly reporting fraudulent and unauthorized accounts on my credit and tenant screening reportsaccounts that I never opened or authorized and which have caused repeated financial and emotional harm. 

I have confirmed through a direct conversation with the clerk at the XXXX XXXX XXXX XXXX that they did not authorize or permit any eviction record to be reported to any credit bureau or tenant screening agency. Your use of this data is unauthorized, inaccurate, and unlawful. You have no legal grounds to report these evictions, and continuing to do so places you in direct violation of both federal and state consumer protection laws. 

In addition, these fraudulent entries stem from your failure to secure consumer data, likely related to a data breach involving your systems, during which my personal information was compromised. Your negligence has caused denied housing, emotional distress, and financial injury, for which I now demand {$16000.00} in damages. 

You are hereby ordered to immediately and permanently delete the following accounts from every system you report to : XXXX XXXX Fraudulent Rental Account Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Eviction Cases : XXXX, XXXX XXXX XXXX XXXX XXXX Multiple Fraudulent Accounts {$10000.00}, {$6100.00}, {$16000.00}, Acct XXXX : {$6100.00} Consumer Adjust Account XXXX {$140.00} XXXX Account ending in XXXX {$1100.00} You Are Also in Violation of the Following Laws : FCRA 611 ( a ) ( 5 ) ( B ) You may not reinsert any deleted account without notifying me in writing within 5 business days.

FCRA 604 & 623 Reporting inaccurate or unverifiable information is a direct violation. 
FDCPA 807 It is illegal to misrepresent the character or legal status of a debt.

Texas Business & Commerce Code 20.06 You are liable for reporting false credit information.

15 U.S. Code 1681e ( b ) Failure to maintain accuracy and integrity of information reported is a federal violation.

I have not authorized any fraud alerts to be placed on my file. If one is added without my express written request, it will be considered an act of retaliation and further harm, for which I will pursue additional damages.

You Now Have 24 Hours to Comply.

If I do not receive written confirmation that : 1. All accounts listed above have been permanently removed, 2. No further reinsertion or reporting will occur, 3. No fraud alert will be placed on my file, 4. And a response has been sent to XXXX, then I will immediately proceed with the following without further warning : File a Small Claims lawsuit for {$16000.00} in damages Report your misconduct and data breach to the Attorney General Seek federal legal action under FCRA, FDCPA, state laws, and consumer negligence statutes You are now fully liable and have been legally notified. 
Failure to comply within 24 hours will result in immediate legal escalation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation