Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Notice of Intent to File Legal Action Against Equifax for Failure to Block and Remove Fraudulent Account ( XXXX XXXX XXXX Dear Equifax Dispute Resolution Department XXXX This letter serves as a formal Notice of Intent to Sue Equifax Information Services LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 and Fair and Accurate Credit Transactions Act ( FACTA ) by failing to permanently block and remove a fraudulent and misrepresented account reported under the name " XXXX XXXX '' from my credit report XXXX 

On multiple occasions, I have informed your bureau that the referenced account is fraudulent, the result of deceptive and unauthorized actions by XXXX XXXX during my SUV purchase. This dealership unlawfully added over {$15000.00} worth of " add-ons '' to my sales contract without my knowledge or consent, thereby inflating the loan amount issued through XXXX XXXX XXXX This constitutes fraud and misrepresentation, as defined under state and federal consumer protection laws. 

XXXX XXXX has acknowledged in writingincluding in emails from Manager XXXX XXXX XXXX these charges were added improperly. As partial resolution, they offered a settlement amount of {$7500.00}, but conditioned the refund on my agreement not to pursue legal action. This attempt to coerce a release without full compensation is further evidence of the intentional wrongdoing and fraudulent behavior. 

To clarify, a settlement offer is a legal proposal by a liable party to resolve a dispute outside of courtcommonly used when wrongdoing has occurred. By extending such an offer, XXXX XXXX effectively acknowledges that their conduct was improper, further substantiating my claim that the account reporting is based on fraudulent origins. 

I have provided Equifax with : A copy of the settlement offer from XXXX XXXX ; An email from XXXX XXXX XXXX acknowledging the fraudulent activity ; A copy of my Federal Trade Commission ( FTC ) report, which is now under review and has been referred to the appropriate courts. 

Under 15 U.S. Code 1681c-2 ( a ) of the FCRA, when a consumer submits proof of identity and a police report or FTC complaint alleging that information results from identity theft or fraud, the consumer reporting agency must block that information from the file within 4 business days of receipt. You are also required to notify the furnisher of information ( XXXX XXXX ) that the data is being blocked due to alleged fraud. 

Further, under 15 U.S. Code 1681n, any willful noncompliance with the FCRA entitles the consumer to recover : Actual damages or up to {$1000.00} in statutory damages ; Punitive damages ; Attorney 's fees and costs. 

You have now been provided with more than sufficient documentation to demonstrate that this account is : Fraudulent in origin ; Based on deceptive dealership practices ; In dispute and pending legal action ; The subject of an FTC complaint and active court investigation. 

Therefore, Equifax is legally obligated to block and delete the XXXX XXXX account from my credit report. If this fraudulent account is not permanently removed within five ( 5 ) business days from the receipt of this notice, I will have no choice but to file a lawsuit against Equifax for willfully violating my rights under the FCRA, and will seek {$1000.00} in statutory damages, in addition to any other relief available under federal and state law. 

Please take this final opportunity to comply with the law before further legal actions are pursued. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation