Consumer complaint received 2025-08-15 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ( XXXX ) Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Via Certified Mail & Email To : Equifax Information Services LLC Fraud Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Identity Theft Dispute and Demand for Deletion of Fraudulent Items Subject : Notice Under FCRA & FDCPA Request for Immediate Action To Whom It May Concern : I, XXXX XXXX, submit this letter in my own capacity and without any third-party assistance. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby provide formal notice of identity theft and dispute the fraudulent items listed below. I demand immediate investigation and permanent deletion of these records from my credit file. 



IDENTIFICATION OF FRAUDULENT ACCOUNTS AND INQUIRIES The following accounts and inquiries were opened, reported, or otherwise recorded without my authorization : XXXX  Account # : XXXX Opened : XX/XX/XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : $ XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : $ XXXX LEGAL AND FACTUAL BASIS FOR REMOVAL XXXX. No Valid Authorization or Agreement : There is no legitimate application, contract, or signed agreement linking me to these accounts. 
2. Lack of Chain of Custody or Identity Authentication : No verified proof of identity verification or chain of custody exists to show that I initiated these accounts or inquiries.

3. Unauthorized Use of Personal Information : My identity and personal data were used without my consent.

4. Failure to Provide Verification or Documentation : Neither XXXX nor associated creditors have provided any legally required documentation for verification. 
XXXX. Violations of Federal and State Law : Gramm-Leach-Bliley Act : Unauthorized disclosure and mishandling of my personal data.

FCRA & FDCPA : Continual furnishing of fraudulent information after fraud notification is prohibited under both federal law and Kansas state law, which disallow fraudulent accounts from being reported following consumer and creditor notifications.

6. Legal Risk in Sharing Personal Data with Third Parties : Under FDCPA 1692c ( b ), debt collectors may not communicate or share consumer information with third parties unless expressly permitted. Courts have held that sending personal data to vendors to prepare collection materials may constitute a prohibited third-party communication. 



SUPPORTING CASE LAW XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Equifax was found liable for failing to investigate and remove inaccurate data once notified. 
XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) : Equifax was held responsible for continuing to report fraudulent accounts, with damages awarded for reputational harm. 



FORMAL DEMAND FOR IMMEDIATE ACTION Pursuant to Section 1681s-2 ( a ) ( 1 ) ( A ) and related provisions under the FCRA and FDCPA, I demand that Equifax : 1. Immediately cease all reporting and verification of the fraudulent accounts and inquiries listed above. 
2. Permanently delete all related data from my credit file.

3. Block any further use, distribution, or furnishing of this fraudulent information.

4. Notify all relevant furnishers and credit bureaus of the deletion and correction.

5. Provide written confirmation of compliance within five ( 5 ) calendar days of receipt of this notice.

ENCLOSURES Copy of FTC Identity Theft Report NOTICE OF INTENT TO PURSUE LEGAL REMEDIES Failure to comply with my demands will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Kansas Attorney Generals Office, as well as potential civil litigation for damages under the FCRA and applicable federal and state statutes. 



Thank you for your prompt and lawful attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation