Consumer complaint received 2025-10-26 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: GA

Complaint narrative:
CREDIT BUREAU DISPUTE LETTER Under 15 U.S.C. 1631 & Related Consumer Protection Provisions Date : Sunday, XX/XX/XXXX To : Equifax Information Services XXXX. XXXX XXXX, XXXX, GA XXXX From : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX / XXXX, Georgia XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Subject : Formal Dispute and Demand for Immediate Deletion of Unauthorized Accounts Re : Violation of XXXX U.S.C. 1631 Lack of Written Consent to Furnish or Obtain My Personal Information To Whom It May Concern, This letter serves as a formal dispute and demand for correction under the Fair Credit Reporting Act ( FCRA ) and related provisions of the Truth in Lending Act, 15 U.S.C. 1631, which explicitly requires that any extension of credit or furnishing of credit information must be made with the consumers knowledge, authorization, and clear written consent.

I have never provided written authorization or consent for the following accounts to be furnished, reported, or obtained under my personal information. Accordingly, these entries represent violations of my rights as a consumer and must be immediately deleted from my credit report. 

Accounts in Violation XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX o Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} o Date Opened : XX/XX/XXXX o I never gave written or verbal consent for this account to be opened or reported. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX o Account Number : * * * * XXXX o Date Opened : XX/XX/XXXX o This account is outdated, should have been removed years ago, and remains in violation of the FCRAs reporting time limits. 
XXXX. XXXX XXXXXXXX XXXX o Account Number : XXXX XXXX XXXX XXXX XXXXXXXX o Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX has confirmed in writing that I am not responsible for this account. Please reference the attached letter from XXXX XXXX verifying this. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX 
o Reported Balance : {$280.00} o This debt collector has already removed this collection from their database and has sent deletion requests to all credit bureaus. Its continued appearance is unlawful and must be corrected immediately. 

Equifax Pattern of Violations Equifax, specifically, has shown a repeated disregard for compliance. You are currently in violation of multiple sections of federal law, including but not limited to : 15 U.S.C. 1631 Failure to obtain written authorization. 
XXXX XXXX. XXXX ( a ) Permissible purpose violations for furnishing/obtaining credit information without consent. 
XXXX XXXX. XXXX Failure to conduct proper reinvestigation of prior disputes. 
XXXX XXXX. XXXX & XXXX Civil liability for willful and negligent noncompliance. 
Furthermore, I am a documented victim of the Equifax data breach, which is acknowledged in federal court and by Equifax itself. Given the breach of my personal data, the presence of unauthorized accounts on my file constitutes direct harm and negligent exposure of sensitive information.

Resolution Requested I hereby demand the following actions be completed within 15 days of receipt of this notice : 1. Immediate removal of all accounts listed above from all credit files.

2. Written confirmation that the deletions have been completed.

3. Written explanation of how these accounts were furnished or obtained without my consent. 
XXXX. Settlement offer for the arbitration damages due to ongoing noncompliance, given my continued harm and your refusal to address prior written disputes.I will allow you to determine the settlement amount, but I remind you that arbitration awards in similar consumer privacy cases average in the thousands per violation. 

Failure to comply within the allotted time frame will result in formal arbitration and federal legal action for damages, costs, and statutory penalties, as permitted under 15 U.S.C. 1681n, 1681o, and 1631. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, Georgia XXXX XXXX XXXX Attachments : XXXX  XXXX Letter Confirming Non-Responsibility Source XXXX XXXX Deletion Confirmation Police Report or Identity Theft Affidavit ( if available ) Proof of Identity ( Drivers License, XXXX XXXX, Utility Bill )

Company response to consumer: Closed with explanation