Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX To : Experian / Equifax / TransUnion Dispute Department ________________________________________ Subject : LEGAL DEMAND FOR REMOVAL Pursuant to FCRA 602 ( A ), 604 ( a ) ( 2 ), 607 ( b ), 611, 616, 617 and FACTA 605B Dear Credit Bureau Representative, This correspondence serves as a formal legal dispute and identity theft claim under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Upon detailed review of my credit file, I have discovered unauthorized inquiries, inaccurate payment data, and fraudulent account reporting that violate my consumer rights under the FCRA. I am hereby demanding that these items be deleted from my credit file within XXXX ( XXXX ) business days of receipt of this notice as required by law. 
________________________________________ XXXX. UNAUTHORIZED CREDIT INQUIRIES These inquiries were made without my written consent, authorization, or permissible purpose, violating FCRA 604 ( a ) ( 2 ) and 609 ( a ) ( 1 ). These entries were not initiated by me and are the result of identity theft and data misuse. 

All of the following inquiries must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with FACTA 605B and FCRA 611 ( a ) ( 5 ) ( A ), you are required to block and delete these unauthorized inquiries within XXXX ( XXXX ) business days once notified of identity theft. 

Failure to remove these items may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and civil action under FCRA 616 and 617 for damages. 
________________________________________ XXXX. INACCURATE ACCOUNT REPORTING Under FCRA 607 ( b ), all information furnished must be complete and verifiable. The following accounts are inaccurately reported and must be corrected or deleted : XXXX  XXXX Paid in Full ( {$0.00} balance as of XX/XX/XXXX ). 
This account must report Paid as Agreed / Paid in Full with no late payment or potentially negative remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} balance as of XX/XX/XXXX Regional Finance {$0.00} balance as of XX/XX/XXXX Any negative or misleading reporting violates FCRA 607 ( b ) and 611 ( a ) and must be deleted immediately. 
________________________________________ XXXX. FRAUDULENT CHARGE-OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} Balance Updated : XX/XX/XXXX This account has been charged off and sold, meaning no balance remains legally owed by me. 
Reporting a sold or transferred charge-off as an open or active debt violates FCRA 605 ( a ) ( 5 ) and 607 ( b ) due to false representation of liability. 

You are required to delete this tradeline entirely from my report and confirm removal in writing. 
________________________________________ XXXX. FTC IDENTITY THEFT REPORT An FTC Identity Theft Report has been filed documenting these fraudulent entries under FACTA 112 ( 15 U.S.C. 1681c-2 ).

Under this section, bureaus are legally required to block all disputed and fraudulent data within XXXX ( XXXX ) business days after receiving this notification. 
________________________________________ XXXX. DEMAND FOR REMOVAL AND VERIFICATION Under FCRA 611 ( a ) and 611 ( a ) ( 5 ) ( A ), you are required to : XXXX. Conduct an immediate reinvestigation of all disputed items. 
XXXX. Delete or block any unverifiable, inaccurate, or unauthorized information. 
XXXX. Provide written confirmation of all deletions within XXXX ( XXXX ) business days. 

Failure to comply will constitute willful noncompliance under FCRA 616, subjecting your agency to civil and statutory damages. 
________________________________________ SUMMARY OF REQUESTED ACTIONS XXXX. Delete all unauthorized credit inquiries listed above. 
XXXX. Remove or correct all inaccurate late payment and account status data. 
XXXX. Delete the XXXX XXXX XXXX account completely. 
XXXX. Update XXXX XXXX to reflect Paid as Agreed / Paid in Full. 
XXXX. Provide written proof of all deletions and updates to the address and email provided. 
________________________________________ You are hereby notified that this letter serves as both a formal dispute and legal notice under the Fair Credit Reporting Act and FACTA. Non-compliance within the statutory timeframe will result in formal escalation to the CFPB, FTC, and civil court. 

Respectfully, XXXX XXXX XXXX XXXX Consumer & Identity Theft Victim

Company response to consumer: Closed with non-monetary relief