Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
# EQUIFAX METRO 2 COMPLIANCE & CONSUMER RIGHTS NOTICE * * Date : * * XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * ATTENTION : * * Metro 2 Compliance Department / Consumer Rights Division # # UNAUTHORIZED ACCESS & PRIVACY NOTICE REMOVAL # # # IMMEDIATE CORRECTION REQUIRED I have discovered unauthorized California Privacy Notices attached to documents containing my Social Security Number. I * * EXPLICITLY STATE * * that : - I have NOT granted access to my account to any third party- I have NOT authorized any California Privacy Notice placement - Any such notices are UNAUTHORIZED and fraudulent - All California Privacy Notices must be IMMEDIATELY REMOVED from any document containing my SSN * * SECURITY BREACH INVESTIGATION DEMANDED : * * Investigate how unauthorized privacy notices were attached to my confidential information and provide a complete security breach report. 

-- - # # E-OSCAR VERIFICATION DEMAND Under FCRA Section 611 and Metro 2 compliance standards, I demand immediate provision of : # # # Complete E-OSCAR Documentation : 1. * * Original E-OSCAR Dispute Submissions * * from data furnishers 2. * * Verification Method Documentation * * used by each creditor 3. * * Investigation Timeline Records * * for all disputed items 4. * * Data Furnisher Response Codes * * and explanations 5. * * ACDV ( Automated Consumer Dispute Verification ) Records * * 6. * * Method of Verification ( MOV ) Documentation * * per FCRA requirements # # # E-OSCAR Compliance Requirements : - Provide proof that investigations were " reasonable '' per FCRA standards - Document all communication between Equifax and data furnishers - Verify that proper investigation procedures were followed - Confirm that responses were based on actual verification, not automated responses -- - # # CONSUMER IDENTIFICATION & NOTICE ADDRESS * * Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX [ LAST 4 DIGITS ONLY : XXXX ] XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX NOTICE : XXXX XXXX All future correspondence, reports, and communications must be sent exclusively to the address listed above. 

-- - # # FORMAL NOTICE OF CONSUMER RIGHTS EXERCISE This letter serves as formal notice of my exercise of consumer rights under the Fair Credit Reporting Act ( FCRA ), California Consumer Privacy Act ( CCPA ), Health Insurance Portability and Accountability Act ( HIPAA ), and Metro 2 reporting standards. This notice requires immediate compliance and acknowledgment within 30 days of receipt. 


# # COMPREHENSIVE OPT-OUT DEMANDS # # # 1. COMPLETE MARKETING OPT-OUT I hereby * * DEMAND * * immediate and permanent removal from ALL marketing lists, promotional communications, and advertising programs operated by Equifax or XXXX affiliates, including but not limited to : - Pre-screened credit offers- Insurance marketing - Third-party promotional materials - Email marketing campaigns- Direct mail solicitations- Telemarketing lists - SMS/text message marketing * * METRO 2 COMPLIANCE REQUIREMENT : * * Update all consumer preference codes to reflect complete marketing opt-out status.

# # # 2. INFORMATION SHARING PROHIBITION Under 15 U.S.C. 1681b and CCPA provisions, I * * EXPLICITLY PROHIBIT * * the sharing, selling, or disclosure of any personal information contained in my consumer report without my express written consent, including : - Consumer report data to affiliates - Marketing list sales to third parties - Data sharing for promotional purposes - Information provided to data brokers - Cross-referencing with other databases # # # 3. CCPA COMPLIANCE DEMANDS Under the California Consumer Privacy Act ( CCPA ), regardless of my state of residence, I exercise the following rights : - * * Right to Know : * * Provide detailed accounting of all personal information collected, sources, and third-party recipients - * * Right to Delete : * * Remove all unnecessary personal information not required for legitimate business purposes- * * Right to Opt-Out : * * Cease all sales and sharing of personal information - * * Right to Non-Discrimination : * * Ensure no adverse action for exercising these rights * * IMMEDIATE REMOVAL DEMAND : * * Remove any California Privacy Notice from ALL documents , reports, or communications containing my Social Security Number. I have NOT authorized any third-party access to my account, and any such notices are unauthorized and must be removed immediately.

# # # 4. HIPAA PRIVACY PROTECTION Any health-related information, medical payment data, or healthcare-related financial information in my file must be handled under HIPAA privacy standards ( 45 CFR 164.502 ), including : - Minimum necessary standard application - Enhanced privacy protections- Restricted disclosure protocols- Audit trail maintenance -- - # # METRO 2 REPORTING COMPLIANCE REQUIREMENTS # # # Data Accuracy Standards All reporting must comply with Metro 2 standards including : - Complete Consumer Identity Verification - Accurate Payment History Reporting ( Code XXXX compliance ) - Proper Special Comment Code usage - Compliance Condition Code accuracy # # # Mandatory Actions Required : 1. * * Immediate Suppression * * of consumer report for marketing purposes 2. * * File Annotation * * indicating opt-out preferences 3. * * System Updates * * to prevent future marketing inclusions 4. * * Third-Party Notification * * of opt-out status to all data recipients 5. * * Compliance Verification * * documentation provision -- - # # FCRA SECTION 611 DISPUTE RIGHTS This letter also serves as a formal dispute under FCRA Section 611 for any inaccurate, incomplete, or unverifiable information on my consumer report. You are required to : - Conduct reasonable investigation within 30 days - Forward dispute to data furnishers - Provide updated consumer report upon completion - Maintain dispute documentation per FCRA requirements -- - # # LEGAL COMPLIANCE DEMANDS # # # Required Response Items : 1. * * Written Confirmation * * of all opt-out preferences implemented 2. * * Complete List * * of all third parties who received my information in the past 12 months 3. * * Detailed Accounting * * of all personal information categories maintained 4. * * Metro 2 Compliance Certificate * * confirming adherence to reporting standards 5. * * Updated Consumer Report * * reflecting all changes and opt-out preferences 6. * * E-OSCAR VERIFICATION DOCUMENTATION * * - Provide complete E-OSCAR verification records and dispute processing documentation for all items on my consumer report # # # Timeline Requirements : - * * Initial Acknowledgment : * * 5 business days- * * Complete Compliance : * * 30 calendar days- * * Documentation Delivery : * * Within 35 days to XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - # # VIOLATION CONSEQUENCES NOTICE Failure to comply with this notice may result in : - FCRA violation claims ( 15 U.S.C. 1681n/1681o ) - CCPA violation penalties ( $ XXXX {$7500.00} per violation ) - State consumer protection law violations- Federal regulatory complaints ( CFPB, FTC ) - Private right of action enforcement -- - # # CERTIFICATION & SIGNATURE I certify under penalty of perjury that the information contained in this letter is true and accurate to the best of my knowledge. This letter constitutes a formal legal notice requiring compliance with all stated demands.

Company response to consumer: Closed with explanation