Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am issuing this URGENT FINAL DEMAND for the immediate and permanent deletion of the fraudulent and unauthorized account listed below from my credit file. This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). My personal information was compromised in a data breach, resulting in the unauthorized inclusion of this account. Despite clear evidence of its prior removal between XX/XX/XXXX and XXXX, XXXX, and my ongoing dispute, Equifax has failed to remove this account and has illegally reinserted it without notification, causing irreparable harm to my creditworthiness. 

You are legally obligated to DELETE THIS ACCOUNT IMMEDIATELY. Your persistent refusal to comply with federal law leaves me no choice but to escalate this matter if action is not taken within the statutory timeframe. 

Account to Be Deleted : XXXX  ( XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Compromised in Data Breach, Delete Immediately Evidence : Attached screenshot confirming its prior removal between XX/XX/XXXX and XXXX, XXXX, and its current fraudulent reinsertion with a " last verified '' date of XX/XX/XXXX, and derogatory status on my Equifax report. 

Equifaxs Egregious Violations of Federal Law : Your agencys actions constitute flagrant and willful violations of multiple federal statutes : FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Accounts previously removed can not be reinserted without written notification to the consumer within five ( 5 ) business days, including the name of the data furnisher and certification of accuracy. I have received no such notification, yet the XXXX account, removed between XX/XX/XXXX and XXXX, XXXX has been reinserted. This is a direct violation of the FCRA, and Equifaxs failure to correct it is inexcusable.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : You are required to block information resulting from unauthorized use within four ( 4 ) business days of receiving a written request with valid identification. This account, stemming from a data breach, remains on my report despite my disputes and this demand. Your inaction is a willful breach of this statute. 

GLBA Section 502 ( 15 U.S.C. 6802 ) : The GLBA prohibits disclosure of my nonpublic personal information without consent. By continuing to report this fraudulent account, Equifax is knowingly violating my privacy rights under this law. 

FDCPA ( 15 U.S.C. 1692e ) : Reporting this account as derogatory and in collections/chargeoff status constitutes a false or misleading representation, subjecting Equifax to liability for noncompliance.

Irrefutable Evidence of Fraudulent Reinsertion : The attached screenshot from my Equifax credit report shows the XXXX  account with a balance of {$1200.00}, a " last verified '' date of XX/XX/XXXX, and a status of " Collection/Chargeoff '' with an ongoing dispute marked " Consumer disputes-reinvestigation in progress. '' This account was previously removed between XX/XX/XXXX and XXXX, XXXX, as confirmed by prior documentation. Its reinsertion after this date, without notification, is illegal and fraudulent, directly contradicting Equifaxs obligations under the FCRA. 

The payment history ( XX/XX/XXXX to XX/XX/XXXXXXXX  ) reflects a pattern of delinquency inconsistent with my financial behavior, further proving this accounts fraudulent nature post-data breach. 

I demand the following actions be executed without delay : Block and permanently delete the XXXX  account from my credit file within four ( 4 ) business days, as mandated by FCRA Section 605B. 

Provide written confirmation of the accounts removal within the same timeframe. 

Cease all reporting of this fraudulent account immediately. 

Enclosed is a copy of my identification to verify my identity, fulfilling FCRA requirements. 

Your failure to act within four ( 4 ) business days of receiving this letter will trigger immediate and unrelenting escalation : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to document Equifaxs willful noncompliance.

Pursuing legal action under the FCRA, GLBA, and FDCPA, seeking statutory damages of up to {$1000.00} per violation under FCRA Section 616 ( 15 U.S.C. 1681n ), as well as punitive damages for your reckless disregard of my rights. 

Seeking injunctive relief to compel compliance and halt further damage to my credit file. 

Equifaxs repeated failure to address this matter is not only a violation of law but an intentional attack on my financial stability. I will not tolerate further delays or excuses.

This is your LAST CHANCE to comply. You have four ( 4 ) business days from receipt of this letter to remove the XXXX account permanently. Any failure to act will be met with the full force of legal and regulatory consequences. TIME IS UPACT NOW.

Company response to consumer: Closed with non-monetary relief