Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
This serves as my FINAL DEMAND for the immediate and permanent deletion of the following fraudulent and unauthorized accounts from my credit file. Previous disputes have failed to correct these violations. You are now on formal notice of your statutory obligations under multiple federal laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Section 605B ), 1681i ( a ) ( 5 ), and 1681s-2 ( b ) Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 ( Section 502 ) Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e My personal information was compromised in a data breach, leading to the unauthorized reporting of the accounts listed below. These tradelines were not opened, authorized, or used by me, and therefore must be blocked and permanently deleted from my credit file immediately. 

FRAUDULENT ACCOUNTS TO BE DELETED Account XXXX : XXXX XXXX Account Number : XXXX Status : Unauthorized / Compromised in Data Breach Delete Immediately Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Status : Unauthorized Collection Account Delete Immediately AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Unauthorized Repossession / Fraudulent Account Delete Immediately LEGAL BASIS FOR DELETION XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) You are required by law to block all information resulting from identity theft or unauthorized use within four ( 4 ) business days of receiving this written request and supporting identification. Continued reporting of these accounts after notice constitutes a willful violation of the FCRA.

2. FCRA 611 ( a ) ( 5 ) and 623 ( b ) If you can not verify the accuracy of these accounts with certified, original-source documentation, you are required to permanently delete the information. Verification requires more than a computer confirmationit requires documented evidence of a legitimate account relationship, which does not exist in this case.

3. GLBA 502 (

15 U.S.C. 6802 ) The Gramm-Leach-Bliley Act prohibits the disclosure or sharing of nonpublic personal information without the consumers explicit consent. Reporting, disseminating, or maintaining these fraudulent accounts constitutes an unauthorized disclosure and breach of data privacy under federal law.

4. FDCPA 807 ( 15 U.S.C. 1692e ) The continued reporting or communication of these accounts to third parties constitutes a false, deceptive, or misleading representation regarding an alleged debt. Each instance of continued reporting represents a separate FDCPA violation and is subject to statutory damages, actual damages, and attorneys fees. 

NOTICE OF LIABILITY If you fail to block and delete these accounts within the required timeframes, your organization will be held liable under : FCRA 1681n and 1681o for willful and negligent noncompliance, including actual, statutory, and punitive damages ; GLBA 6805 and 6821 for failure to maintain the confidentiality and security of consumer information ; and FDCPA 813 ( 15 U.S.C. 1692k ) for false or misleading credit reporting and misrepresentation of debt.

FORMAL DEMAND FOR ACTION You are hereby instructed to : Immediately block and permanently delete the above-listed accounts from my credit file within four ( 4 ) business days under FCRA 605B .

Provide written confirmation within ten ( 10 ) business days that the deletions have been completed.

Cease all further reporting, reinsertion, or transmission of these accounts to any third parties.

Company response to consumer: Closed with explanation