Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Willful Violations of 15 U.S.C. 1681a ( Consumer Privacy Rights ), 1681b ( Permissible Purposes ), 1681e ( b ) ( Accuracy Procedures ), 1681i ( Investigations ), 1681n ( Civil Liability for Willful Noncompliance ), 1681c-2 ( 605B Blocking Identity Theft Info ), 1681s-2 ( Furnisher Duties ) ; FDCPA 1692e ( False Representations ), 1692f ( Unfair Practices ), 1692g ( Validation ), 1692j ( Deceptive Forms ), 806 ( Harassment ), 807 ( Misleading Reporting ) ; GLBA XXXX ( 15 U.S.C. 6802 Unauthorized Disclosure ) ; TILA XXXX ( Timing of Payments ), XXXX ( Finance Charges ) ; XXXX  ( 18 U.S.C. 1028A Aggravated Identity Theft ) ; XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ) ; 15 U.S.C. 1693a ( XXXX XXXX XXXX ) ; and 18 U.S.C. 1341 ( Mail Fraud ) Demand for Immediate Deletion, {$1000.00} Per Violation Statutory Damages, Punitive Damages, and Full Compensation To Whom It May Concern : This is my FINAL AND URGENT DEMAND for the IMMEDIATE AND PERMANENT DELETION of the fraudulent XXXX  XXXX bankruptcy public record ( Filed : XX/XX/XXXX ; Reference Number : XXXX ; Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Florida, XXXX Division ), all XXXX associated unauthorized accounts, XXXX unauthorized inquiries, and any related derogatory marks from my credit file. Despite multiple prior disputes, Equifax has only partially complied by removing the public record but FAILED to delete the attached accounts ; Experian and TransUnion continue to report ALL fraudulent information. This constitutes WILLFUL, DELIBERATE, AND CRIMINAL NONCOMPLIANCE with XXXX  laws, perpetuating IDENTITY THEFT and violating my privacy rights. I am a VICTIM OF IDENTITY THEFT, FTC Identity Theft Report ( Number XXXX, dated XX/XX/XXXX ), both of which detail the fraudulent use of my personal information in this bankruptcy and accounts. 

Your continued reporting of this unverifiable, fraudulent data is an EGREGIOUS INFRINGEMENT ON MY PRIVACY under 15 U.S.C. 1681a ( 4 ), which affirms the consumer 's right to privacy and sole discretion over what is deemed private. XXXX explicitly recognizes that consumers like me have the RIGHT TO DECIDE what personal financial matters are privateI DEEM ALL THIS INFORMATION PRIVATE AND DO NOT CONSENT TO ITS SHARING ON MY CREDIT REPORT. By reporting these items without my authorization, you have caused severe paranoia, emotional distress requiring medication, reputational harm, financial losses ( e.g., denied credit, higher interest rates ), and harassment from collection agenciesmaking you LIABLE FOR ALL DAMAGES under FCRA 1681n ( up to {$1000.00} per violation, plus actual and punitive damages, attorney fees, and costs ). 
Fraudulent Items to Be DELETED IMMEDIATELY : Bankruptcy Public Record : XXXX  XXXX ( XXXX ), Filed : XX/XX/XXXX, Reference Number : XXXX, Court : XXXX Bankruptcy XXXX, XXXX XXXX XXXX Florida ( XXXX Division ). The court has CONFIRMED in writing ( XX/XX/XXXX letter, attached ) that it " does not transmit or initiate conveyance of data to credit reporting agencies, '' rendering this entirely UNVERIFIABLE and ILLEGITIMATE. 
Associated Unauthorized Accounts ( All Tied to Fraudulent Bankruptcy XXXX Items ) : XXXX XXXX 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 Unauthorized Inquiries ( All Resulting from Identity Theft XXXX Items ) : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I DID NOT AUTHORIZE, CONSENT TO, OR BENEFIT FROM ANY OF THESE ITEMSI NEVER APPLIED FOR CREDIT WITH THESE COMPANIES, AND THIS IS CONFIRMED IDENTITY THEFT. Under 15 U.S.C. 1681b ( Permissible Purposes ), you may ONLY furnish a consumer report with WRITTEN INSTRUCTIONS from the consumer or a permissible purposeNEITHER EXISTS HERE, making your actions ILLEGAL IDENTITY THEFT FACILITATION under 18 U.S.C. 1028A ( Aggravated Identity Theft, punishable by up to XXXX  years imprisonment ). You shared my information with creditors without consent, criminally liable for aiding fraud. 
Specific Violations Committed ( Willful and Negligent Noncompliance ) : FCRA 1681a ( 4 ) Privacy Rights Violation : Reporting private matters ( inquiries, accounts, bankruptcy ) without my consent infringes on my sole right to privacy, causing paranoia and medication needsliable for damages. 
FCRA 1681b ( f ) Impermissible Access : You obtained and reported my information under FALSE PRETENSES without certification or my written consent, violating XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX ). 
FCRA 1681e ( b ) Accuracy Failure : Failed to follow reasonable procedures for maximum accuracy; reported unvalidated, fraudulent data not compliant with XXXX. 
FCRA 1681i ( a ) ( 1 ) & ( a ) ( 5 ) Investigation Failure : Ignored multiple disputes; did not delete unverifiable items within XXXX XXXX  611 ( a ) mandates immediate removal. 
FCRA 1681c-2 ( 605B ) Identity Theft Blocking Failure : Must block fraud within XXXX  business days upon receiving police/FTC reports ( attached ) your refusal is willful.

FCRA 1681s-2 Furnisher Violations : Furnished inaccurate info despite notice ; no validation from original creditor ( I am the original creditor under 15 U.S.C. 1602 ( f ) and do NOT validate these debts ). 
FCRA 1681n Willful Noncompliance : Accepted unverified info without eyewitness verification ; punishable by {$1000.00} per violation ( demand {$1000.00} x XXXX items = {$18000.00} minimum ). 
FDCPA 1692e ( 807 ) False/Misleading Reporting : Reporting leads creditors to believe I applied/owe debts ; deceptive positive balances implying " debt '' without negative sign.

FDCPA 1692f Unfair Practices : Collecting unauthorized amounts; using symbols/logos on envelopes indicating debt collection ; no law requires payment of unvalidated bills. 
FDCPA 1692g Validation Failure : Only I ( original creditor ) can validate XXXX  DO NOT ; no original contract or XXXX  validation provided.

FDCPA 1692j Deceptive Forms : Furnished inaccurate accounts as accurate without validation. 
FDCPA 806 Harassment/Abuse : Repeated reporting causes harassment via calls/letters ; ruins reputation ( defamation under 15 U.S.C. 1681s-2 ).

FDCPA 1692b ( 2 ) Location Disclosure : Shared my location/address while stating I owe debts to XXXX XXXX. 
GLBA XXXX ( 15 U.S.C. 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) ) Unauthorized Disclosure : Disclosed nonpublic info without consent or opt-out notice ; deceptive nondisclosure of rights.

TILA 1666b Timing of Payments : Reported undefined " late payments '' inaccurately.

TILA 1605 Finance Charges : Failed to define/sum charges properly. 
XXXX ( 18 U.S.C. 1028A ) Aggravated Identity Theft : Facilitated fraud using my identifying info without consent.

Privacy Act ( 5 U.S.C. 552a ) Federal Disclosures : Restricted unauthorized sharing of personal records. 
15 U.S.C. 1693a ( 2 ) No Account : No " account '' exists for collection review.

18 U.S.C. 1341 Mail Fraud : Used mails to perpetrate deceptive reporting scheme.

Under 15 U.S.C. 1681g, DISCLOSE ALL DOCUMENTS in your files used for XXXX NOT claim " verified by provider '' ; send copies or DELETE. 
Demands : BLOCK and DELETE all listed items WITHIN XXXX ( XXXX ) BUSINESS DAYS under FCRA 605B. 
COMPLETE FULL INVESTIGATION and PERMANENT DELETION WITHIN XXXX ( XXXX ) DAYS under FCRA 1681i. 
CEASE ALL DISCLOSURES under XXXX XXXX and FDCPA. 
PROVIDE WRITTEN CONFIRMATION within XXXX ( XXXX ) DAYS of removal, plus FREE UPDATED CREDIT REPORT under FCRA 1681j. 
COMPENSATE {$1000.00} PER VIOLATION ( {$18000.00} minimum ) plus actual damages ( financial losses, emotional distress ), punitive damages, and attorney fees under FCRA 1681n. 
VERIFY WITH BANKRUPTCY TRUSTEE ( questions from prior letters ) and include response. 
RETURN ANY PAYMENTS on invalid debts under FDCPA 1692h. 

Attachments : XXXX XXXX Police Report ( XXXX, XX/XX/XXXX ). 
FTC Identity Theft Report ( XXXX, XX/XX/XXXX ). 
XXXX Bankruptcy XXXX XXXX ( XX/XX/XXXX ). 
Credit report excerpts. 
Prior dispute copies with certified mail receipts. 
ID, proof of address, SSN card. 

NONCOMPLIANCE WILL TRIGGER IMMEDIATE LITIGATION in federal court/small claims, complaints to CFPB, FTC, XXXX, BBB, and DOJ for XXXX referrals under XXXX and mail fraud. I CERTIFY this is NOT in error, NO misrepresentation, and I received NO goods/services from these transactions ( certify otherwise under perjury per 15 U.S.C. 1681b ( a ) ( 2 ) ).

Company response to consumer: Closed with explanation