Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Immediate Demand for Data Privacy Compliance and Cessation of Unauthorized Data Sharing under the FCRA, Privacy Act, and XXXX XXXX Compliance Standards To Whom It XXXX Concern : This is a formal and lawful demand issued pursuant to the * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * *, the * * Privacy Act of 1974 * *, and * * XXXX XXXX data handling standards * *. As the subject of a consumer file maintained by Equifax, I am asserting my rights to * * data control, access limitation, and audit transparency * *. 

XXXX XXXX XXXX * * XXXX. CEASE & DESIST UNAUTHORIZED SHARING OF PERSONAL INFORMATION * * I demand that Equifax * * immediately cease and desist * * from the sale, disclosure, or transfer of any of my personal data to third parties, affiliates, or data brokers. This includes, but is not limited to : * Identifiers ( full name, address, date of birth, SSN, phone number, email ) * Financial or credit data * Behavioral or biometric data * Employment or location data * Any data obtained from non-public or third-party sources Equifax is required by law and XXXX XXXX XXXX to ensure any access or distribution of data is * * strictly within the scope of a permissible purpose * * under FCRA XXXX XXXX 

-- XXXX XXXX XXXX XXXX XXXX * XXXX. LIMITATION ON USE OF SENSITIVE DATA * * You are directed to * * immediately restrict the use of any sensitive personal information * * to core functions required by law. I * * do not authorize * * the use of my data for : * Profiling, behavioral scoring, data modeling, or commercial analytics * Internal data monetization or marketing * Cross-referencing with external sources beyond FCRA-authorized disclosures All usage must align with * * XXXX XXXX format codes * * and * * FCRA standards of necessity and accuracy * * ( 15 U.S.C. 1681e ( b ) ). 

-- - # # # * * XXXX. IMMEDIATE DEMAND FOR DISCLOSURE OF DATA SOURCES & ACCESS HISTORY * * You are required to provide a full disclosure, in writing, within * * four ( 4 ) calendar days * * of receipt of this notice, detailing : * All data fields currently held under my name or SSN * The origin/source of each data item * A complete list of all parties granted access to my consumer file within the last 24 months * The * * XXXX XXXX compliance code ( XXXX ) * * used to justify each access Failure to comply will be considered a * * willful violation of the FCRA and Privacy Act * *, triggering legal and regulatory escalation. 

-- - # # # * * XXXX. NOTICE OF ENFORCEMENT * * This demand is legally binding and non-negotiable. Noncompliance, delay, or incomplete response within * * XXXX ( XXXX ) calendar days * * will result in immediate escalation to the following entities : * * * Consumer Financial Protection Bureau ( CFPB ) * * * * * Federal Trade Commission ( FTC ) * * * * * Louisiana Attorney Generals Consumer Protection Division * * * Potential initiation of * * civil proceedings for damages and injunctive relief * * under FCRA 616617 This notice serves as both a * * data privacy directive * * and a * * legal warning * *. Further unauthorized use or disclosure of my information will be met with formal complaint filings and legal action. 

Please respond with a * * written confirmation of full compliance * * by XX/XX/XXXX XXXX days from today the address listed above which is XXXX XXXX XXXX XXXX La, XXXX Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX, LA

Company response to consumer: Closed with explanation