Consumer complaint received 2025-08-26 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: IN

Complaint narrative:
b'.\nIdentity Theft Due to Unauthorized Use of Social Security Number & Demand for Deletion of Liabilities\nThe following liabilitiesincluding credit accounts, loans, collections, and derogatory notationsmust be immediately deleted as they are the direct result of identity theft caused by the unauthorized use of my Social Security Number (SSN). These entries were created without my knowledge, consent, or lawful authorization and therefore have no legal basis to remain on my consumer report.\nFurthermore, my SSN and NAME have been misused to create or securitize financial instruments, trusts, and Special Purpose Vehicles (SPVs). Such actions constitute fraud, misrepresentation, and unlawful enrichment, and may also constitute violations of federal securities law.\n\n\n\n\nTo: Equifax / Experian / TransUnion / CFPB / FTC\nI. Cyber Crimes and Federal Violations\nApplicable Statutes: FCRA, GLBA, FDCPA, and the FTC Act\nThe following credit reporting agencies have engaged in systemic misuse of my Social Security\nNumber (SSN):\n1 Equifax\n2 Experian\n3 TransUnion\nII. Pattern of Noncompliance and Misconduct\n1 No verifiable documentation showing how CRAs verified data.\n2 Disputed information has reappeared without reinsertion notices.\n3 No entity produced valid authorization or contract for SSN use.\n4 CRAs unlawfully assign liabilities affecting my livelihood.\n5 Continuing to report inaccurate data has caused material harm.\nIII. Demand for Immediate Compliance\n1 Immediate blocking of all fraudulent tradelines under 15 U.S.C.  1681c-2.\n2 Recognition of identity theft pursuant to 18 U.S.C.  1028.\n3 Investigation of SSN misuse under 42 U.S.C.  408(a)(8).\n4 Redact SSN and DOB in all reports to protect federally guaranteed rights.\nIV. Additional Violations\n1 Ignored opt-out requests\n2 No permissible purpose to access or share my report.\n3 No full disclosure of my consumer file.\n4 False, deceptive, and misleading practices related to alleged debts.\n5 Use of my identity for profit is an unfair and deceptive act.\n6 Failure to ensure maximum possible accuracy of data.\nV. Notice of Rights Reserved\n1 15 U.S.C.  1681n and 1681o  Civil liability for noncompliance.\n2 18 U.S.C.  1028  Identity theft.\n3 42 U.S.C.  408(a)(8)  Unauthorized SSN use.\nVI. Unauthorized Use of My Social Security Number\nMy SSN has been used without consent to create financial instruments and trusts. Entities have\nmisrepresented themselves as creditors while profiting unlawfully. This constitutes fraud, identity theft,\nand violations of consumer protection laws.\nVII. Damages\nI have suffered identity theft, reputational harm, and commercial exploitation. Negative items caused denial of credit, higher costs, and financial injury. The CRAs have unjustly enriched themselves through unauthorized use of my identity.\nVIII. Relief Requested\n1 Investigation into unauthorized use of SSN and NAME use by Equifax, Experian, and TransUnion.\n2 Removal of all negative items lacking valid signed contracts.\n3 Full disclosure of third parties who received NPPI.\n4 Cessation of unauthorized identity use for profit or securitization.\n5 Compensation for damages, reputational harm, and financial injury.\n\n\n\nEquifax\nPlease delete in its entirety.\XXXX XXXX XXXX XXXX\nExperian\n\nRemove credit card accounts:\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\nRemove accounts\nSame account reported twice\n Please delete both accounts in their entirety.\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nRemove:\n XXXX XXXX XXXX\nRemove late payments and Update these to paid as agreed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnTransunion\nCredit card accounts: Please delete accounts in their entirety.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n Please delete both accounts in their entirety.\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\nRemove late payments and Update these to paid as agreed:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDelete all personal information from my report with the exception of:\n1. My Full Legal Name: XXXX XXXX  Remove all other variants of name.\n2. My AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete all other addresses due to the fact they are nonmailable and out dated.\n3.  My phone numberXXXX XXXX Delete all other outdated phone numbers.\n4.  My Social Security Number and Date of Birth must not appear in full or partial on any credit report or related document. Display only in redacted form as:\nSSN: XXXX or XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation