Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
FINAL NOTICE OF INTENT TO SUE EQUIFAX XXXX BREACH, FRAUDULENT ACCOUNT REINSERTION, FCRA, XXXX VIOLATIONS From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX social XXXX Date : XXXX To : Experian XXXX Equifax XXXX : Illegal Reinsertion of Fraudulent Identity Theft Accounts- Immediate Deletion and Final Demand Before Litigation Dear Equifax XXXX Department XXXX This letter is to formally notify you of serious legal violations regarding the unlawful reinsertion of fraudulent accounts on my credit file accounts that are directly linked to identity theft and data breaches, including your own notorious XXXX breach compromising millions of Americans ' sensitive data. 
You are now in direct violation of multiple federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) Reinsertion of information without proper notice and without certification of accuracy FCRA 1681c-2 Failure to block information resulting from identity theft FCRA 1681s-2 ( b ) - Failure of furnishers to properly investigate and verify disputed information Fair and Accurate Credit Transactions Act ( FACTA ) - Mishandling identity theft claims Consumer Protection Laws enforced by the CFPB Deceptive Practices Acts under State Law I have previously disputed these fraudulent account and demanded their permanent deletion. 
You failed to comply with FCRA obligations and wrongfully reinserted the following accounts without : Providing me with the legally required notice within XXXX business days of reinsertion, Receiving certification of accuracy from the furnisher as required by law, Conducting a reasonable investigation to verify authenticity, Providing any documented proof from the furnisher demonstrating that these accounts are legitimate. 
Fraudulent XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX {$3400.00} opened XXXX. 
Legal and Financial Liability You Now Face : Statutory Damages ( FCRA ) : Up to {$1000.00} per violation Actual Damages : Including denials of credit, financial losses, emotional distress - currently estimated at XXXX  XXXX Punitive Damages : For willful noncompliance Attorney 's Fees and Costs of Litigation Civil Penalties under State Consumer Protection Laws TOTAL LIABILITY EXPOSURE : Currently estimated at $ XXXX, subject to increase pending litigation Additionally, the Consumer Financial Protection Bureau ( CFPB ) has initiated enforcement actions against credit reporting agencies for their repeated failures to protect consumer rights and refusal to properly investigate disputes particularly involving data breach victims like myself. 
You are hereby put on notice that if these fraudulent, reinserted accounts are not immediately and permanently deleted, I will : File a lawsuit in State and Federal Court seeking the maximum available damages, File complaints with the CFPB, FTC, and my State Attorney General, Join or initiate a class action lawsuit related to the Equifax breach and post-breach misconduct, Seek treble damages where permitted by law under consumer fraud statutes. 
IMMEDIATE DEMANDS : XXXX. Permanently delete all fraudulent and unlawfully reinserted account from my Experian XXXX Equifax credit report. 
XXXX. Send me written confirmation of all deletions and corrections within XXXX calendar days. 
XXXX. Provide the full documentary evidence received from any furnisher allegedly validating the reinserted accounts. 
XXXX. Cease any further reporting, furnishing, or collection activity on these accounts. 
If you fail to comply with these demands, you will leave me no choice but to escalate this matter aggressively in court, seeking maximum statutory, actual, punitive, and emotional distress damages, along with attorney 's fees and litigation costs. 
This is your XXXX XXXX. 
No further communication will be provided before filing suit. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX of XXXX XXXX of XXXX on XX/XX/XXXX _ ( date ), before me, XXXX XXXX name of notary public ), personally appeared XXXX XXXX name of signer ), who proved to me on the basis of satisfactory evidence to be the person ( XXXX ) whose name ( XXXX ) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in XXXX authorized capacity ( XXXX ), and that by XXXX signature ( XXXX ) on the instrument the person ( XXXX ), or the entity upon behalf of which the person ( XXXX ) acted, executed the i XXXX XXXX t r u m XXXX XXXX t. 
I certify under PENALTY OF PERJURY under the laws of the State of XXXX  that the foregoing paragraph is true and correct. 
WITNESS my hand and official seal. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation