Consumer complaint received 2025-10-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Ssn : XXXX In public record number XXXX I have contacted you on several occasions because I know that as a citizen, I have the right to dispute information in my record that I do not consider accurate. I see things that do not seem right in the information you share without my authorization. I understand that you use XXXX to search for information. I acknowledge that the information you are sharing is incorrect, and it is ILLEGAL to share INACCURATE INFORMATION with credit bureaus. I demand that you treat me with respect. I am not a child who just receives an automated message. You must provide me with a legal document verifying the information ( through a court ) or a document where I authorize you to share my personal information. Otherwise, I DEMAND THAT THIS INACCURATE INFORMATION BE IMMEDIATELY EXPUNGED FROM MY RECORD. If XXXX has any inaccurate information and you share it without verifying it with the court, you would be violating the law. I respect the law and accept a court order, but I demand that I be treated with respect in this case. You are reporting incorrect information. If you don't give me a signed document authorizing you to share my information, or provide me with a legal document verifying this information, please, IMMEDIATELY DELETE IT FROM MY CREDIT REPORT. IT'S THE LAW. The XXXX XXXX credit report agency needs to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined by the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX XXXX Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation