Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
This is my second and final demand. I previously disputed the following items, and Equifax failed to correct or permanently delete them as required by law. Instead, you have continued to verify or update false and damaging data in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ), Metro 2 compliance standards, and your duty to report only accurate and verifiable information.

Equifax has already admitted to a national data breach, yet you continue to mishandle my consumer file with reckless disregard for accuracy. This constitutes willful noncompliance, and I am placing you on notice that continued violations expose you to legal liability under 15 U.S.C. 1681n and 1681o.

I will not accept updates, reinsertions, or corrections. These items are false, unverifiable, and unlawful. Permanent deletion is the only lawful remedy. 

Items in Violation : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  I demand permanent deletion of this account for willful noncompliance. Equifax continues to report false, unverifiable, and misleading data in direct violation of 15 U.S.C. 1681i and 1681s-2 ( b ). No lawful verification exists, Metro 2 compliance is ignored, and the Equifax data breach further proves reckless mishandling of my personal information. This is a willful violation of my consumer rights. I will not accept updates or correctionsthis account must be permanently deleted. 

XXXX - XX/XX/XXXX This inquiry is reported without my authorization or permissible purpose. It is an FCRA violation and must be permanently deleted. 

Incorrect Name - XXXX XXXX This name is inaccurate and not associated with me. It is misleading, damaging, and must be permanently deleted. 

Employer - XXXX XXXX This employer information is inaccurate, not mine, and never verified. Reporting false employment is a willful violation and must be permanently deleted. 

XXXX XXXX - XX/XX/XXXX This inquiry is unauthorized, unverifiable, and does not meet FCRA permissible purpose standards. I demand permanent deletion. 

XXXX XXXX - XX/XX/XXXX This inquiry is unauthorized and not backed by permissible purpose under 15 U.S.C. 1681b. I never gave consent ; therefore, it must be permanently deleted. 

XXXX - XX/XX/XXXX This inquiry is unverifiable, unauthorized, and reported without my consent. Under FCRA 604, it must be permanently deleted. 

Incorrect Address - XXXX XXXX XXXX, XXXX, TX XXXX This address is false and not associated with me. Reporting inaccurate personal information is a direct violation of the FCRA and must be permanently deleted. 

XXXX - XXXX XXXXXXXX XXXX  This employer information is inaccurate, not mine, and never verified. Reporting false employment is a willful violation and must be permanently deleted. 

Notice of Willful Noncompliance : Equifax has no legal right to continue reporting these accounts, inquiries, and personal identifiers without full, accurate, and verifiable evidence. You have failed to provide it. Each violation is a separate count under the FCRA, and your continued noncompliance exposes Equifax to damages. 

You have already had the opportunity to investigate during my first dispute. Instead of permanently deleting these items, you have chosen to continue reporting false information. Updating or marking them as verified is not acceptable. Permanent deletion is the only lawful outcome.

Company response to consumer: Closed with non-monetary relief