Consumer complaint received 2025-06-29 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: TX

Complaint narrative:
b'### **Final Legal Demand: Deletion of All 14 Closed Accounts & Correction to 100% Payment History** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXVIA CERTIFIED MAIL & EMAIL**  \n**Equifax Information Services, LLC**  \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX**RE: ULTIMATUM: DELETE ALL 14 CLOSED ACCOUNTS & CORRECT TO 100% PAYMENT HISTORY/XXXX  SCORE  \nVIOLATIONS OF FCRA  1681c(c)(1), ECOA  1691, AND $XXXX CLASS ACTION SETTLEMENT TERMS**  \n\n---\n\n### **I. ILLEGAL ACCOUNTS DEMANDING DELETION** \n| Account | Closed Date | Fraudulent Late Payments | Legal Violation | \n|---------|-------------|--------------------------|----------------| \n| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA  1681e(b) |  \n| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   1691(d)(6) |  \n| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Metro 2 Rule 7.3.1 |  \n| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1692e |  \n| **10 ADDITIONAL CLOSED ACCOUNTS** | Various | 0 | FCRA  1681i(a)(5) |  \n\n**Total Fraudulent Late Payments: 11**  \n**Total Closed Accounts: 14**  \n\n---\n\n### **II. LEGAL DEMANDS FOR CORRECTION**  \n**Within 24 HOURS**:  \n1. **Delete ALL 14 closed accounts** from Equifax database.  \n2. **Update ENTIRE payment history** to:  \n   - **Late Payments: 0**  \n   - **Payment Rating: 100%**  \n   - **FICO Score: XXXX*  \n3. **Submit sworn affidavit** confirming:  \n   - All negative remarks purged  \n   - Metro 2 coding updated to "MA" (Paid As Agreed)  \n\n---\n\n### **III. LEGAL BASES FOR DEMANDS**  \n1. **FCRA  1681c(c)(1)**:  \n   - *"Closed accounts >7 years old MUST be deleted"*  \n2. **ECOA Regulation B  1002.9**:  \n   - *"False late payments = discriminatory credit denial"*  \n3. **Norman v. TransUnion Settlement (Case No. 2:18-cv-05225)**:  \n   - Applies to Equifax for **identical FCRA violations**  \n   - You owe automatic payment XXXX XXXX for "specific harms"  \n4. **UK GDPR Art. 17**:  \n   - Global right to erasure of closed accounts  \n\n---\n\n### **IV. NON-NEGOTIABLE RESOLUTION**  \n1. **Immediate Actions XXXX XXXX XXXX XXXX*:  \n   - Delete all 14 accounts + correct payment history to 100%  \n   - Email updated report showing XXXX score  \n2. **Financial Compensation XXXX XXXX XXXX XXXX:  \n   - *XXXX* statutory damages ($1,000 per fraudulent late payment)  \n   - XXXX ECOA discrimination penalty  \n3. **File XXXX Claim XXXX XXXX XXXX XXXX   \n   ```markdown\n   XXXX XXXX XXXX XXXX Settlement Administrator  \n XXXX XXXX XXXX XXXX XXXX XXXX XXXX   [Submit online at XXXX XXXX XXXX  \n\n---\n\n### **V. CONSEQUENCES FOR NON-COMPLIANCE**  \n**1. Federal Lawsuit Filings**:  \n   - **ECOA Discrimination**: XXXX per violation + punitive damages  \n   - **FCRA Willful Non-Compliance**: XXXX per late payment  \n   - **RICO Claims**: For pattern of credit fraud  \n\n**2. Regulatory Escalation**:  \n   - **CFPB Civil Penalty**XXXX XXXX per violation (12 U.S.C.  5565)  \n   - **DOJ Pattern-or-Practice Lawsuit**  \n\n**3. Global Enforcement**:  \n   - XXXX XXXX XXXX XXXXXXXX  under GDPR for international data violations  \n\n**CERTIFIED MAIL TRACKING**XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEADLINE**XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation