Consumer complaint received 2025-06-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Date : XX/XX/2025 SUBJECT : FINAL DEMAND FOR DELETION, BLOCKING & LEGAL PROOF VIOLATIONS OF FCRA, FDCPA, CROA, AND CONTRACT LAW To Whom It May Concern, This letter serves as a final legal demand for the immediate deletion and permanent blocking of fraudulent, inaccurate, unauthorized, and unverifiable information on my credit report. I did not authorize or open the listed accounts, and no lawful verification or contract has been presented to prove otherwise. These items are the result of identity theft and constitute multiple violations of federal law. 

You are now on notice that continued reporting or collection without legal validation is willful noncompliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Credit Repair Organizations Act ( CROA ). 



YOU ARE IN VIOLATION OF MULTIPLE FEDERAL LAWS : FCRA ( 15 U.S. Code 1681 et seq. ) : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) ( A ) : Failure to conduct lawful reinvestigation 1681c-2 ( a ) : Failure to block identity theft-related data 1681c : Reporting outdated negative information 1681n & 1681o : Civil liability for willful and negligent noncompliance FDCPA ( 15 U.S. Code 1692 et seq. ) : 1692e : False or misleading representation 1692f : Unfair practices, including collection of debts not legally owed 1692g ( b ) : Failure to verify debt before further reporting or collection CROA ( 15 U.S. Code 1679 et seq. ) : 1679b : Illegal misrepresentation of data 1679c : Failure to properly advise consumers of their rights LEGAL REQUEST DOCUMENTATION REQUIRED : Under contract and consumer law, furnish : Signed contract or account application bearing my name and signature Forward Flow Agreement ( XXXX ), Bill ( s ) of Sale, Purchase Agreements Full chain of assignment from original creditor to current Proof of permissible purpose under 15 USC 1681b ACCOUNTS TO BE BLOCKED AND REMOVED IMMEDIATELY : Personal Information : XXXX. Names : XXXX XXXX, XXXX XXXX Only XXXX XXXX XXXX is valid. 
XXXX. Addresses : All except XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  {$3400.00} XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Various balances XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX Various balances XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Various balances XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX {$690.00} Late Payments/ Charge-Offs : XXXX. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX$0.00} ( XXXX ), {$850.00} ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  {$1800.00} ( 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEMAND FOR COMPLIANCE WITHIN 4 DAYS : If you can not verify or legally validate these items, you are required to : Delete and block the above-listed accounts and information immediately Cease collection, sale, or reporting of the disputed items Provide written confirmation of all deletions CONSEQUENCES FOR NONCOMPLIANCE : Failure to act within XXXX business days will result in : Legal action under FCRA, FDCPA, and CROA Formal complaints with the CFPB, FTC, and NC Attorney General Claims for up to {$1000.00} per violation, plus punitive and actual damages You are knowingly reporting unverifiable, unauthorized, and fraudulent information in violation of multiple federal statutes. This is your final notice before escalation. 

I reserve the right to pursue full legal remedies without further notice. 

Govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation