Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Demand to Update and Remove Inaccurate Personal Information Violation of Federal Law To Whom It May Concern : This is my formal notice that you are causing unnecessary delay, obstruction, and hardship in updating my personal information and removing personal data that is not mine.

All reporting entities already have my correct address on file ; you have a legal duty to contact them directly for verification instead of forcing me to perform your responsibilities. 

I have already provided my drivers license and bank statement to verify my identity. Demanding my Social Security card is unnecessary, especially when the back of the card explicitly warns that unauthorized use or sharing of the number is subject to a {$250000.00} fine and/or imprisonment. 

You have also ignored my Executive Status and improperly dismissed my Executor Letters as cover letters, despite the fact that they carry lawful authority and clear instruction. This is a willful disregard for my rights as the executor over my estate and my legal correspondence.

You must also compensate me for damages since XXXX, when I began filing disputes with creditors and you failed to correct personal names and other data. You have made the process unnecessarily difficult, and you owe {$1000.00} per file that has not been deleted and per incorrect name and address you have left in my file. 

Additionally, you owe a {$10000.00} fine for failing to act within the legally required 30-day timeframe on the last letter I sent in XXXX. The delay beyond 30 days is a clear violation of 15 U.S.C. 1681i ( a ). 

Meanwhile, you continue to permit the use of artificial intelligence and the sale of my personal data without my consent or a signed contract. This constitutes unlawful data sharing and privacy violations. 

Violations include but are not limited to : FCRA Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information within 30 days.

15 U.S.C. 1681g ( a ) Full disclosure of all information in my file.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of furnishers to provide accurate information. 


UCC Uniform Commercial Code : UCC 1-103 Preservation of common law rights.
UCC 1-308 Reservation of rights without prejudice.

UCC 9-210 Duty to provide an accounting of collateral and obligations. 


GAP Codes ( GrammLeachBliley Act Privacy Provisions ) : Failure to protect nonpublic personal information ( 15 U.S.C. 68016809 ). 

Unauthorized disclosure to nonaffiliated third parties without consent. 



Demand : 1. Immediately update my personal information to reflect the correct address already confirmed by the original furnishers.

2. Remove all personal information and data that is not mine.

3. Compensate me for the above-listed fines without delay.

4. Cease requiring documents not mandated by law ( including Social Security card copies ) to fulfill your duties.

5. Stop ignoring my Executive Status and Executor Letters, and respond lawfully to such correspondence.

6. Provide a complete, documented record of all entities with whom my information has been shared or sold. 



Notice of Reservation of Rights : Pursuant to UCC 1-308, I reserve all rights without prejudice and do not consent to the continued unauthorized use, storage, or sale of my personal data.

Company response to consumer: Closed with explanation