Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Last XXXX of XXXX : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Second FORMAL DEMAND FOR IMMEDIATE REMOVAL OF OUTDATED AND ERRONEOUS INFORMATION ADVERSE ACTION RESULTING FROM YOUR VIOLATIONS To Whom It May Concern, This letter serves as a Second formal demand under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, for the immediate removal of obsolete, inaccurate, and illegally reported information from my credit file. Equifaxs failure to comply with the legally mandated reporting period has directly resulted in adverse action against me, including the denial of employment opportunities an outcome directly attributable to your unlawful reporting practices. 
I am fully aware of my rights under the FCRA, and I will not tolerate Equifaxs reckless disregard for federal law. In XXXX v. XXXX XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX XXXX XXXX XXXX the strict limitations imposed by the FCRA XXXX ruling that consumer reporting agencies can not include certain adverse information beyond the statutory timeframe. Your failure to adhere to these reporting guidelines constitutes willful noncompliance, as outlined in 15 U.S.C. 1681n, exposing Equifax to legal liability for damages, including punitive remedies.

Because of Equifaxs negligent and unlawful reporting, I have suffered financial and professional harm, including the loss of employment opportunities due to inaccurate or outdated negative information being improperly included in my consumer report. This is unacceptable, and I demand the immediate deletion of the following erroneous and outdated items from my credit report : Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX  Account Number : XXXX Please remove it from my credit report. 
9. 1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief