Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Second Demand for Immediate Removal of Fraudulent Account - Non-Compliance with Federal Laws Dear Equifax, This letter serves as my final demand for the immediate removal of the fraudulent account appearing on my credit report. Despite providing you with all required documentation during my initial dispute, Equifax has failed to comply with federal laws governing identity theft and credit reporting. Your inaction is not only irresponsible but a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes.

Legal Violations by Equifa

x : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Under federal law, you are required to block fraudulent information from my credit report within four business days after receiving : My identity theft report ( already submitted ), Proof of my identity ( already provided ), and A statement of dispute regarding the fraudulent account. The fraudulent account remains on my report, directly violating this statute. 2. 15 U.S. Code 1635 ( Right of Rescission ) : This law protects consumers from fraudulent financial obligations. My identity theft report demonstrates
unequivocally that I never authorized or entered into this account. Your continued reporting of this account is a breach of federal protections.


3. 15 U.S. Code 1692g ( Validation of Debts ) : If Equifax is relying on information from a creditor or debt collector, validation of the debt is mandatory under the FDCPA. To date, no validation has been provided, which is yet another violation of my rights. Additional Context : I am a documented victim of the Equifax Data Breach, exposing me to identity theft risks through no fault of my own. Equifaxs negligence during this breach directly contributed to the creat
ion of this fraudulent account. By failing to remove it promptly, you are perpetuating harm caused by your own corporate failure.

Final Warning : I demand that you : 1. Immediately block and permanently remove the fraudulent account from my credit report in accordance with FCRA 605B.

2. Provide me with written confirmation of the accounts removal within five ( 5 ) business days.

3. Ensure that no further reporting of this fraudulent account is made to any third party.

Should you fail to take the actions outlined above, I will have no choice but to pursue legal remedies, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Initiating a lawsuit to seek damages for willful non-compliance under 15 U.S. Code 1681n, including statutory, actual, and punitive damages. 


Personal Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Attachments : For your reference, I have once again included : 1. A copy of my previously submitted identity theft report.

2. Proof of my identity.

3. Any additional documentation supporting this dispute.

This is your final notice. Continued non-compliance will not be tolerated. You are criminally and civilly obligated to uphold my rights under federal law, and your refusal to do so is actionable in court. 

Sincerely, XXXX XXXX -- - This language emphasizes urgency, cites specific legal consequences, and holds Equifax accountable for both past and present failures. Let me know if further adjustments are needed. 

Heres an enhanced and strongly worded letter directed to Equifax for round two : -- - Date : [ Insert Todays Date ] To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Second Demand for Immediate Removal of Fraudulent Account - Non-Compliance with Federal Laws Dear Equifax , This letter serves as my final demand for the immediate removal of the fraudulent account appearing on my credit report. Despite providing you with all required documentation during my initial dispute, Equifax has failed to comply with federal laws governing identity theft and credit reporting. Your inaction is not only irresponsible but a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal statutes. 

Legal Violations by Equifax : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Under federal law, you are required to block fraudulent information from my credit report within four business days after receiving : My identity theft report ( already submitted ), Proof of my identity ( already provided ), and A statement of dispute regarding the fraudulent account.

The fraudulent account remains on my report, directly violating this statute.

2. 15 U.S. Code 1635 ( Right of Rescission ) : This law protects consumers from fraudulent financial obligations. My identity theft report demonstrates unequivocally that I never authorized or entered into this account. Your continued reporting of this account is a breach of federal protections.

3. 15 U.S. Code 1692g ( Validation of Debts ) : If Equifax is relying on information from a creditor or debt collector, validation of the debt is mandatory under the FDCPA. To date, no validation has been provided, which is yet another violation of my rights.

Additional Context : I am a documented victim of the Equifax Data Breach, exposing me to identity theft risks through no fault of my own. Equifaxs negligence during this breach directly contributed to the creation of this fraudulent account. By failing to remove it promptly, you are perpetuating harm caused by your own corporate failure.

Final Warning : I demand that you : 1. Immediately block and permanently remove the fraudulent account from my credit report in accordance with FCRA 605B.

2. Provide me with written confirmation of the accounts removal within five ( 5 ) business days.

3. Ensure that no further reporting of this fraudulent account is made to any third party.

Should you fail to take the actions outlined above, I will have no choice but to pursue legal remedies, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General.

Initiating a lawsuit to seek damages for willful non-compliance under 15 U.S. Code 1681n, including statutory, actual, and punitive damages. 


Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Attachments : For your reference, I have once again included : 1. A copy of my previously submitted identity theft report.

2. Proof of my identity.

3. Any additional documentation supporting this dispute.

This is your final notice. Continued non-compliance will not be tolerated. You are criminally and civilly obligated to uphold my rights under federal law, and your refusal to do so is actionable in court. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation