Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
FINAL NOTICE LEGAL DEMAND FOR IMMEDIATE COMPLIANCE UNDER FCRA 605B AND 623 I am issuing this Final Notice due to your ongoing and deliberate refusal to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 FCRA 605B ) and 623. You have ignored my previous verified submissions and continue to report fraudulent information in my file. Your failure to act is now categorized as willful noncompliance, triggering full civil liability under federal law.

I am a verified victim of identity theft and have already provided all required documentation, including : FTC Identity Theft Report ( # XXXX ) XXXX  Police Report ( # XXXX ) Government-issued ID SSN Proof of address This documentation has been supplied to you multiple times, and you have been legally obligated under 605B ( b ) to block the fraudulent information within four ( 4 ) business days. Instead, you ignored at least three prior submissions, demonstrating a consistent pattern of unlawful inaction.

The following fraudulent accounts must be permanently blocked and deleted from my credit file without any further delay : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/year> XXXX XXXX  Account # XXXX Date Opened : XX/XX/year> XXXX XXXX Account # XXXX Date Opened : XX/XX/year> XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/year> All of these accounts were opened without my knowledge or authorization by an unknown party using my stolen identity, as confirmed by the attached FTC and police reports. Under FCRA 605B ( b ) and 623 ( a ) ( 6 ) ( B ), you are required to : Immediately block all information related to the fraudulent accounts listed above.

Delete all associated data, including inquiries and derivative entries.

Prevent any future reinsertion of the fraudulent data under 605B ( c ) ( 1 ).

Notify all furnishers involved that the data has been confirmed fraudulent and can not be re-reported.

Provide written confirmation that all fraudulent information has been permanently removed.

This demand also applies to any other fraudulent accounts or identifiers referenced in my FTC or police reports, whether or not they currently appear in your files.

Your continued refusal to comply constitutes a willful violation of : FCRA 605B ( d ) ( civil liability for failure to block ) FCRA 623 ( a ) ( 6 ) ( failure to prevent re-reporting of fraudulent data ) If you fail to fully comply within four ( 4 ) business days of receiving this Final Notice, I will immediately initiate the following actions without further communication : File a formal complaint with the CFPB File a formal complaint with the FTC File a formal complaint with the State Attorney Generals Office Pursue civil litigation seeking statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o This is your final opportunity to correct your violations before federal escalation. 

Sincerely, XXXX XXXX ( Attached : FTC Report # XXXX, XXXX Report # XXXX, Government ID, SSN, Proof of Address )

Company response to consumer: Closed with non-monetary relief