Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
Re : Demand for Immediate Blocking, Permanent Deletion, and Reinvestigation of Fraudulent and Inaccurate Accounts Due to Identity Theft Willful Violations of FCRA, FDCPA, GLBA, TILA, NJFCRA, and Other Federal and State Laws ; Notice of Intent to Sue for Damages Dear Experian Dispute Department : I, XXXX XXXX, am writing as a victim of identity theft and ongoing credit reporting inaccuracies to formally dispute, demand the immediate blocking, permanent deletion, and full reinvestigation of all fraudulent, unauthorized, and inaccurate information on my credit report. This demand is made pursuant to multiple federal and state laws, including but not limited to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681c-2 ( blocking identity theft information ), 1681i ( reinvestigation requirements ), 1681e ( b ) ( reasonable procedures for accuracy ), 1681g ( disclosure rights ), 1681s-2 ( furnisher duties ), 1681b ( permissible purposes ), 1681n ( civil liability for willful noncompliance ), and 1681o ( negligent noncompliance ).

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including 1692g ( validation of debts ), 1692e ( false or misleading representations ), 1692f ( unfair practices ), 1692d ( harassment or abuse ), 1692b ( acquisition of location information ), 1692h ( multiple debts ), 1692j ( furnishing deceptive forms ), and 1692k ( civil liability ).

The Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., particularly 501 ( safeguards for consumer information ) and 6802 ( obligations regarding disclosures and opt-out rights ).

The Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., including 1605 ( determination of finance charges ) and 1666b ( timing of payments ), for failures in accurate disclosure and reporting of credit terms.

The New Jersey Fair Credit Reporting Act ( NJFCRA ), N.J.S.A. 56:11-28 et seq., which mirrors and enhances FCRA protections , requiring accuracy, fairness, and consumer confidentiality, with provisions for free annual reports, security freezes, and penalties for violations.

18 U.S.C. 1028A ( aggravated identity theft ), for criminal facilitation of identity theft through unauthorized sharing of my information.

Additional protections under the Consumer Credit Protection Act ( 15 U.S.C. 1601 et seq. ), the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) if any electronic transactions are involved, and New Jersey 's Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ), which mandates safeguards against identity theft and allows for civil remedies.

Enclosed are copies of my FTC Identity Theft Report, proof of identity ( driver 's license and Social Security card ), proof of address, excerpts from my Experian credit reports dated XX/XX/year>, and XX/XX/year>, and prior dispute letters. These documents unequivocally support my claims of identity theft and reporting errors. 
As evidenced by my credit reports, your continued reporting of fraudulent and inaccurate information has caused irreparable harm, including a low FICO Score 8 of 526 ( as of XX/XX/year> ), denied credit opportunities, emotional distress, paranoia requiring medication, and defamation of character. Congress has affirmed my right to privacy under FCRA 1681a ( 4 ), yet you have infringed upon it by reporting unauthorized accounts and inquiries without my consent, leading creditors to falsely believe I applied for or owe these debts. This is misleading and deceptive under FDCPA 807, as you did not witness or verify my authorization, violating FCRA 's fairness requirements.

Your willful acceptance and reporting of unverified information without " reasonable procedures to assure maximum possible accuracy '' ( FCRA 1681e ( b ) ) constitutes negligent and willful noncompliance ( FCRA 1681n and 1681o ), punishable by up to {$1000.00} per violation in statutory damages, plus actual and punitive damages. By sharing my nonpublic personal information without opt-out disclosures or my consent ( GLBA 6802 ( b ) ( 1 ) ( A ) - ( C ) ), you have engaged in deceptive practices and aggravated identity theft ( 18 U.S.C. 1028A ), exposing you to criminal penalties of up to 2 years imprisonment and civil liability. Under TILA 1666b, your reporting of undefined " late payments '' without proper timing validation is inaccurate and deceptive. Furthermore, NJFCRA enhances these protections, allowing me to seek state-level remedies, including injunctions and damages, for failures in accuracy and security freezes.

You have furnished deceptive forms ( FDCPA 8012 ) by reporting positive balances as " debts '' without negative indicators or GAAP validation, misleadingly implying I owe obligations not expressly authorized by agreement or law ( FDCPA 1692f ( 1 ) ). There is no law requiring me to pay unvalidated bills, and your use of symbols or language indicating debt collection ( FDCPA 1692f ( 8 ) ) in communications is unconscionable. As the original creditor under FDCPA 1602 ( f ), only I can grant credit or validate debts ( FDCPA 1692g ) I do not validate these, rendering your reporting unauthorized under FCRA 1681b. Your actions constitute harassment and abuse ( FDCPA 806 ), ruining my reputation ( FDCPA 1692d ( 1 ) ) and acquiring location information while disclosing alleged debts to third parties ( FDCPA 1692b ( 2 ) ). Under FCRA 1681s-2, you furnished inaccurate information despite my disputes, and multiple debts require return of any payments ( FDCPA 1692h ). These violations stem from the XXXX XXXX XXXX, directly breaching FCRA 1681 by reporting erroneous data across bureaus.

I certify under penalty of perjury ( 28 U.S.C. 1746 ) that this dispute is not erroneous, not based on misrepresentation, and I did not obtain goods/services from these transactions. If you claim otherwise, provide certification from a senior executive under penalty of perjury ( FCRA 1681b ( a ) ( 2 ) ) that I received such benefits.

Pursuant to FCRA 1681g, disclose all documents retained in your files used to verify these accountsdo not merely state they were " verified '' by furnishers. I demand : Immediate blocking of all identified information within 4 business days ( FCRA 1681c-2 ).

Permanent deletion of all references, including derogatory marks, balances, and histories.

Full reinvestigation within 30 days ( FCRA 1681i ), applying XXXX XXXX Code 01 ( XB ) for identity theft.

Notification to furnishers to cease collection ( FDCPA 1692g ) and delete data.

Rectification of GLBA and NJFCRA violations by enhancing safeguards.

Compensation of {$1000.00} per violation ( FDCPA 1692k ; FCRA 1681n ) for damages, including emotional distress and credit harm.

Written confirmation within 5 business days, including updated reports. 

The fraudulent and inaccurate accounts to block and delete are : Collections : XXXX. XXXX, XXXX ( XXXX, Original : XXXX XXXX XXXX, {$660.00} ) Fraudulent/unauthorized. 
XXXX XXXX XXXX ( XXXX, Original : XXXXXXXX XXXX XXXX XXXX XXXX {$460.00} ) Inaccurate chain of title. 
XXXX XXXX XXXX ( XXXX, Original : XXXX XXXX, {$430.00} ) Unvalidated debt. 
XXXX XXXX XXXX ( XXXX, Original : XXXX XXXX XXXX, {$560.00} ) Deceptive reporting. 
XXXX XXXX XXXX ( XXXX, Original : XXXX XXXX XXXX  XXXX, {$970.00} ) Harassment via unverified collection. 
Closed Negative : XXXX XXXX ( XXXX ) XXXX late payments fraudulent. 
XXXX  XXXX XXXX ( XXXX ) Charged off {$650.00}, {$550.00} past due; unauthorized. 
XXXX ( XXXX ) XXXX negative months ; time-barred. 
XXXX XXXX XXXX XXXX ( XXXX ) Duplicative/inaccurate. 
XXXX XXXX XXXX ) XXXX negative months from data breach. 
XXXX ( XXXX ) XXXX negative months ; unvalidated. 
XXXX XXXX XXXX ( XXXX ) {$450.00} balance inaccurate. 
XXXX XXXX ( XXXX ) Closed with negatives ; no consent. 
XXXX Bank, XXXX. ( XXXX ) XXXX late payments unauthorized. 
XXXX XXXX XXXX XXXX ) XXXX late payments deceptive. 
XXXX XXXX XXXX XXXX ) XXXX negative months fraudulent. 
Total XXXX XXXX XXXX ) Duplicative with LVNV. 
XXXX XXXX ( XXXX ) {$89.00} balance with XXXX negatives. 
XXXX XXXX ( XXXX ) {$82.00} balance with XXXX negatives. 

Failure to comply will result in escalation to the CFPB, FTC, NJ Attorney General, and a lawsuit for maximum damages, including treble under NJ laws. Preserve all recordsspoliation will be evidence of bad faith. Contact me only in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief