Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.

Complaint narrative:
FORMAL NOTICE AND DEMAND FOR REMOVAL OF ALL NEGATIVE CREDIT ITEMS AND ALL CREDIT INQUIRIES ( PIPEDA Identity Accuracy Violations ) I, XXXX XXXX XXXX XXXX XXXX, hereby submit this formal notice pursuant to the Personal Information Protection and Electronic Documents Act ( XXXX ). Upon review of my consumer credit file, I have determined that core identifying information associated with my profile including my first and last names, aliases, current status, residential address, and telephone number is inaccurate. Credit reporting depends entirely on accurate identification. Where identifying information is incorrect or outdated, any adverse credit information or inquiries associated with such data are unreliable and unlawfully disclosed. 

This demand is made pursuant to, but not limited to, the following provisions of XXXX : Section 5 ( 3 ) Personal information may only be used or disclosed for purposes a reasonable person would consider appropriate Schedule 1, Principle 4.6 ( Accuracy ) Personal information must be accurate, complete, and up to date Schedule 1, Principle 4.7 ( Safeguards ) Protection against inaccurate disclosure Schedule 1, Principle 4.9 Right to challenge accuracy Schedule 1, Principle 4.9.5 Mandatory correction or deletion Continued disclosure of adverse credit information or inquiries linked to inaccurate identity data constitutes non-compliance with XXXX. 

I formally demand the removal of the following negative credit items, which were reported using inaccurate or obsolete identifying information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Status : Written-off / Bad debt ( XXXX ) XXXX XXXX XXXX XXXX XXXX Fairstone Loan ) Partial Account Number : XXXX XXXX XXXX XXXXXXXX Amount : {$5000.00} Lend Direct XXXX XXXX XXXX XXXX XXXX XXXX Collection Partial Account Number XXXX XXXX XXXX XXXX XXXX Amount : {$10000.00} XXXXXXXX XXXX XXXXXXXX Account Partial Account Number XXXX XXXX XXXX XXXX XXXX Status : Collection / Bad debt ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Amount : {$620.00} ALL Credit Inquiries to Be Removed as well Due to the inaccurate and obsolete identity information on file at the time of disclosure, I hereby dispute and demand removal of all credit inquiries, including both hard and soft inquiries, as unlawful disclosures under XXXX XXXX XXXX XXXX ) and Schedule 1, Principles 4.3 and 4.6.

The inquiries include, but are not limited to, the following : EQUIFAX XXXX XXXX XXXX NATIONAL CREDIT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX PERSONAL SOLUTIONS XXXX EQUIFAX XXXX XXXX AUTHORIZED EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to Schedule 1, Principle 4.9.5 of PIPEDA, where personal information is inaccurate, incomplete, or obsolete, it shall be amended or deleted as well.

Accordingly, I demand : Immediate correction of my identifying information Permanent deletion of all negative credit items listed above Permanent deletion of all credit inquiries listed above Written confirmation of compliance Failure to comply will result in escalation, including a formal complaint to the
Office of the Privacy Commissioner of Canada

under PIPEDA s.10, without further notice. This notice is issued without prejudice and without admission of liability. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation