Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, RE : Immediate Removal Demand for Unauthorized Account XXXX XXXX I am writing to formally demand the immediate and permanent removal of the following fraudulent and unauthorized collection account from my consumer credit report : Account Details : Collection Company : XXXX, XXXX Original Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$12000.00} Date Opened : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 USC 1681c-2 ), you are required by federal law to immediately block and permanently remove any information resulting from identity theft upon receipt of a valid Identity Theft Report, which I have already filed with the FTC ( attached ).

My Legal Rights and Your Violations : Violation of My Right to Privacy ( FCRA 15 USC 1681 ) : You are reporting and sharing my private financial information without my explicit, signed consent. As a consumer reporting agency, you have a legal and ethical obligation to protect my privacy and only report authorized and accurate information. Your actions constitute an unlawful invasion of my privacy rights. 

No Consent Equals Identity Theft : I never authorized or consented to the opening or reporting of this account. You do not possess a signed contract or explicit written consent from me, making this reporting unauthorized and therefore fraudulent under federal law. 

Immediate Blocking and Removal ( FCRA 605B 15 USC 1681c-2 ) : Federal law clearly mandates that upon receiving proof of identity theft, you must immediately block and permanently remove all related fraudulent information from my credit reports. This is not a request for temporary measures but an unequivocal demand for immediate and permanent deletion.

Requirement for Manual, Human Review ( FCRA 1681i ) : You must conduct a thorough, manual, and independent investigation and are explicitly prohibited from relying solely on automated dispute verification processes ( such as E-Oscar ). Unless you provide verifiable proof of my authorization ( signed contract ), this account must be deleted immediately. 

Willful Noncompliance and Liability ( FCRA 1681n ) : Failure to remove this account immediately constitutes willful noncompliance and subjects you to statutory damages of {$1000.00} per violation, actual damages, emotional distress compensation, and attorney 's fees. 

Immediate Actions Required : Permanently block and immediately remove the XXXX, XXXX account ( # XXXX ) from my credit report, as required by FCRA 605B ( 15 USC 1681c-2 ).

Provide me with written confirmation of this removal. 

Cease and desist any further reporting, reinsertion, or distribution of this unauthorized account information. 

Notice of Escalation : Failure to comply immediately will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. Additionally, I will pursue legal action for statutory and actual damages for each violation. 

XXXX, XXXX is reporting an account related to XXXX XXXX Apartments on my credit report without my authorization or consent. I have never opened or agreed to this account. Reporting this unauthorized information violates my federally protected right to privacy under the Fair Credit Reporting Act ( FCRA ). It is your responsibility as a credit reporting agency to protect my privacy and only report accurate, authorized information. Under FCRA 605B ( 15 USC 1681c-2 ), you must block any information resulting from identity theft within four business days after receiving my FTC Identity Theft Report, which I am attaching as proof. I demand immediate and permanent removal of this unauthorized account from my credit file and request written confirmation. Continued reporting violates my privacy rights and causes ongoing harm.

Company response to consumer: Closed with explanation