Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX To : TransUnion LLC, XXXX XXXX XXXX XXXX XXXX  XXXX Experian, XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX Equifax, XXXX. XXXX XXXX, XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Missouri Attorney General Subject : Formal Legal Dispute FCRA, 15 U.S.C. 1681 Violations Date : XX/XX/XXXX RE : IMMEDIATE REMOVAL OF ALL NEGATIVE ACCOUNTS AND INQUIRIES Notice of Noncompliance, Unauthorized Re-Insertion, and Demand for Deletion This letter serves as my formal and final notice to remove all negative accounts, collections, charge-offs, and unauthorized hard inquiries from my consumer credit report with immediate effect. Additionally, I demand the removal of any accounts that were previously deleted and have since been re-inserted without legally required notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ).

I am demanding action based on the following clear violations of federal law : VIOLATIONS IDENTIFIED : Re-Insertion Without Notification ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ) It is illegal to reinsert a deleted account without providing written notification within XXXX business days. If a furnisher re-reported these accounts, you were required to verify accuracy and notify me. No such notice was provided. 

Failure to Verify Negative Accounts ( FCRA 1681i ( a ) ( 1 ) ( A ) ) You have continued reporting inaccurate and unverifiable information despite disputes already filed. These include but are not limited to : XXXX XXXX {$1200.00} Charge-off XXXX XXXX XXXX {$26000.00} Charge-off XXXX {$3100.00} Collection XXXX XXXX {$600.00} Collection XXXX BANK {$18000.00} XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX  open balances reporting inconsistently Unauthorized Hard Inquiries ( FCRA 1681b ( c ) ) Multiple hard inquiries were conducted without my written authorization or permissible purpose : TransUnion : XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, etc. 

Equifax : XXXX XXXX, XXXX XXXX, XXXX, etc. 

Experian : XXXX XXXX, XXXX Fraud Alerts Ignored My credit report explicitly shows fraud alerts on TransUnion, Experian, and Equifax, including statements about identity theft. Yet, you continued reporting inquiries and accounts without investigationin direct violation of FCRA 1681c-1 ( h ) and 1681c-2. 

LEGAL DEMANDS : Immediate deletion of all negative, outdated, unverifiable, and reinserted accounts.

Immediate removal of all unauthorized hard inquiries across all bureaus. 

Written confirmation from each bureau within 5 business days showing full compliance with this demand. 

If you fail to respond or delete these accounts within the statutory period, I will file a lawsuit under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, including statutory damages, punitive damages, and legal fees. 

NOTICE OF INTENT TO FILE LEGAL COMPLAINTS This letter will also be submitted to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General ( Missouri ) Each will be informed of your continued pattern of negligence, FCRA non-compliance, and abusive credit practices that financially harm consumers like myself. 

INCLUDED WITH THIS NOTICE : Copy of credit report dated XX/XX/XXXX Highlighted negative accounts and hard inquiries in violation Copy of fraud alert statements YOU HAVE 5 BUSINESS DAYS TO COMPLY. 


Failure to remove all disputed information will result in escalated legal action including a federal complaint. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief