Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX. Cease and Desist / Formal Dispute Notice Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX To : TransUnion LLC Equifax Inc . 
Experian Information Solutions Inc . 
RE : Formal Dispute and Cease and Desist - Removal of Fraudulent Account To Whom It May Concern : This letter serves as a formal demand under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I am disputing the accuracy and legitimacy of the following account that is being reported on my credit file : XXXX  XXXX XXXX Account ending in XXXX Balance : {$5100.00} Date Opened : XX/XX/XXXX This account is being reported without my authorization or verifiable written consent and is therefore considered fraudulent. The reporting of this account constitutes multiple violations of my federally protected rights, including but not limited to : Fair Credit Reporting Act Violations : 15 U.S.C. 1681 Section 602 ( a ) Right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) No account may be reported without written instructions from the consumer.

15 U.S.C. 1681c ( a ) ( 5 ) No adverse information older than seven years may be reported.

15 U.S.C. 1681s2 ( a ) ( 1 ) No person shall knowingly furnish inaccurate or unverifiable information.

15 U.S.C. 609 & 611 If an account can not be verified, it must be deleted.

Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S.C. 6802 Financial institutions may not share nonpublic personal information with nonaffiliated third parties unless notice, opt-out, and instructions are provided and consented to.

Demand for Immediate Action : 1. Cease and desist from reporting, distributing, or disclosing the fraudulent XXXX  XXXX XXXX account. 
XXXX. Remove the above-referenced account from all of my credit files maintained by your agency within 30 days of receipt of this letter. 
XXXX. Provide a complete investigation and verification report including documented proof of my authorization. 
XXXX. Acknowledge and process my right to opt out of data sharing under the GLBA. 
Failure to comply with this request may result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and a civil suit for damages and injunctive relief. 
Sincerely, XXXX XXXX XXXX. Opt-Out of Financial Information Disclosure Date : XX/XX/XXXX To Whom It May Concern : This letter constitutes a formal notice of my decision to opt out of any disclosure of my nonpublic personal information to nonaffiliated third parties, in accordance with 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. 
I, XXXX XXXX, do not consent to the sharing, reporting, or dissemination of any nonpublic personal or financial information now or at any time in the future. You are legally required to honor this request and cease all such disclosures unless express written consent is provided by me. 
Please confirm in writing that my request to opt out has been acknowledged and processed. 
Sincerely, XXXX XXXX XXXX. Affidavit of Truth Affidavit of Truth I, XXXX XXXX, being of lawful age and sound mind, declare and affirm under penalty of perjury the following statements to be true and correct to the best of my knowledge : XXXX. I am a natural person and the rightful bearer of the name XXXX XXXX. 
XXXX. The account reported by XXXX  XXXX XXXX, ending in XXXX, is being reported on my credit profile without my knowledge, consent, or authorization. 
XXXX. I did not open or authorize the opening of this account. 
XXXX. I have not signed any documentation granting permission for the reporting of this account to any consumer reporting agency. 
XXXX. The reporting of this account violates my rights under the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act. 
XXXX. I formally dispute this item and demand its permanent removal from all credit reports held by TransUnion, Equifax, and Experian. 
Further affiant sayeth not. 
Executed on the XXXX day of XXXX, XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation