Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
To Whom It May Concern : I am writing to * * formally escalate * * my demand for the immediate blocking and removal of additional fraudulent accounts from my credit report under * * 15 U.S. Code 1681c-2 ( FCRA 605B ) * *. These accounts are unequivocally the result of identity theft, and I have already submitted an Identity Theft Report, government-issued ID, and proof of address. 

* * Despite prior disputes, these accounts remain unresolved. * * Per FCRA 611 ( a ) ( 7 ), you are legally obligated to provide the method of verification and investigation process for each account. Failure to comply within * * 4 business days * * will result in immediate legal action for willful non-compliance under FCRA 616.

* * Additional Fraudulent Accounts for Blocking/Removal : * * XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Status : Collection account / Seriously past due - * * Demand * * : Disclose how this utility debt was validated as mine. OR DELETE IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Status : Unpaid - * * Demand * * : Provide documentation linking this debt to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Closed - * * Demand * * : Validate the joint accounts legitimacy and furnish signed contracts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX - Status : 90 days past due - * * Demand * * : Explain how this alleged debt was verified. With METHOD OR DELETE IMMEDIATELY XXXX. * * DEPT OF EDUCATIONXXXXXXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Status : 90 days past due - * * Demand * * : My personal and financial data was compromised violating FERPA. I request full cancellation of this student loan debt. AND DELETED IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX - Status : Closed with past due remarks - * * Demand * * : Confirm investigation steps and provide verification. AND DELETED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account * # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$20000.00} Payment Status : Charge-off Explain how this alleged debt was verified. With METHOD OF VERIFICATION OR DELETE IMMEDIATELY XXXXXXXX XXXX XXXXXXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * High Balance : {$1700.00} Payment Status : Charged off as bad debt THIS DEBT IS SHOWING CHARGED OFF AND STILL REPORTING LATE PAYMENTS EVERY MONTH Explain how this alleged debt was verified. With METHOD OF VERIFICATION OR DELETE IMMEDIATELY * * Legal Compliance Required * * : - * * Block and remove * * all listed accounts immediately. - * * Send written confirmation * * of deletion and updated credit reports. - * * Disclose * * the method of verification and investigation process for each account. * * This is your final notice. * * If you fail to act within * * 4 business days * *, I will : 1. File complaints with the CFPB, FTC, and state Attorney General. 2. Pursue statutory damages ( {$1000.00} per violation ) and punitive damages under FCRA 616. 3. Seek injunctive relief to compel compliance. Consequences of Non-Compliance Failure to comply with FCRA requirements will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX ) and to pursue legal action against both the data furnishers and the credit reporting agencies. I am requesting an immediate and permanent deletion of these accounts from my credit report and expect written confirmation of their removal. Please also provide documentation supporting any decision to maintain these items, as failure to comply will be considered a violation of federal law. 

This letter is a formal, final notice before legal escalation. I look forward to your prompt compliance with FCRA regulations. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Enclosures * * : - Identity Theft Report ( FTC Affidavit/Police Report ) - Government-Issued ID - Proof of Address

Company response to consumer: Closed with non-monetary relief