Consumer complaint received 2025-01-21 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:
Third Notice to Equifax Equifax , Inc., Customer Data Security Breach Litigation U.S. District Court for the XXXX XXXX XXXX XXXX  ( Case No. XXXX ) XXXX XXXX, XXXX XXXX Customer Data Security Breach Litigation U.S. District Court for the District of Maryland ( Case No XXXX XXXX ) Demand for Immediate Removal of Unauthorized Accounts Due ; Equifaxs & XXXX XXXX XXXX XXXX Data Breachs & Identity Thefts Equifax has reported negative information on my credit file without my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Equifax nor the reporting agency has provided this documentation. This raises serious concerns about Equifaxs compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. 
XXXX XXXX XXXX XXXX XXXX ; Balance : {$9700.00} ; Opened Date : XXXX XXXX, XXXX ( THEFT ) XXXX XXXX XXXX XXXX ; Balance : {$730.00} ; Opened Date : XXXX XXXX, XXXX ( THEFT ) The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to Equifax, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Equifax continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.

I am aware of my rights under federal law and will pursue remedies under the FCRA and the Consumer Financial Protection Act ( CFPA ) for the following : negligent or willful violation of the FCRA, which could result in statutory damages of up to {$1000.00} per violation, attorney 's fees, and punitive damages, as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o. Further complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for failure to comply with federal reporting obligations. Additionally, I demand that you refrain from reinserting these fraudulent accounts into my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) without providing prior written notice. The fraudulent activity associated with these accounts has caused significant harm to my creditworthiness and financial standing. I expect this matter to be handled with the utmost urgency, professionalism, and adherence to the law.

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 )

Company response to consumer: Closed with non-monetary relief