Consumer complaint received 2025-11-14 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:
NOTICE OF FEDERAL VIOLATIONS & DEMAND FOR IMMEDIATE CORRECTION IN THE MATTER OF : XXXX XXXX XXXX XXXX Complainant TO : Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX United States Attorney XXXX XXXX Arizona XXXX  XXXX XXXX, XXXX XXXX, XXXX Equifax Information Services, LLC XXXX INTRODUCTION This Notice is issued by XXXX XXXX XXXX XXXX regarding multiple XXXX  violations committed by XXXX, XXXX, and Equifax relating to identity theft, reporting of unverified information, failure to correct inaccurate personal identifiers, and the continued publication of fraudulent accounts and unauthorized inquiries after being formally notified. 



This Notice includes my FTC Identity Theft Report Statement, which legally triggers mandatory blocking, removal, and suppression of fraudulent data within XXXX ( XXXX ) business days under 15 U.S.C. 1681c-2 ( a ). 







XXXX. FTC IDENTITY THEFT REPORT STATEMENT I, XXXX XXXX XXXX XXXX, filed an official FTC Identity Theft Report asserting that various accounts, inquiries, and personal identifiers appearing on my consumer reports were created or placed without my authority, consent, or knowledge. 



Under federal law, my Identity Theft Report requires the credit reporting agencies to : XXXX. Block fraudulent information within XXXX business days XXXX. Delete and suppress the fraudulent data permanently XXXX. Notify furnishers that the data is fraudulent XXXX. Stop reporting or re-inserting the data ( See 15 U.S.C. 1681c-2, 1681g, 1681i, and 1681s-2 * * ) The credit bureaus have failed to comply. 







* * XXXX. FRAUDULENT COLLECTION ACCOUNT ( XXXX  / XXXX  ) REPORTED ON ALL XXXX CREDIT REPORTING AGENCIES * * The following fraudulent account is appearing on XXXX, Equifax, and XXXX  : Collection Agency : XXXX XXXX XXXX 



Original Creditor / Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX Reported : {$150.00} Account Number Ending : XXXX Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status : UNPAID / COLLECTION Appears On : ALL XXXX  CRAs DEMAND FOR REMOVAL Under XXXX XXXX. XXXX ( a ) and my FTC Identity Theft Report, XXXX, Equifax, and XXXX  must XXXX XXXX. XXXX and remove this XXXX  collection account within XXXX business days XXXX. Delete all references to XXXX XXXX XXXX XXXX XXXX XXXX. Cease all reporting permanently XXXX. Provide written confirmation of removal This account is fraudulent, unverified, unauthorized, and therefore must be removed immediately. 







IV. APPLICABLE XXXX  LAW MANDATORY REMOVAL / BLOCKING XXXX. XXXX5 U.S.C. 1681c-2 ( a ) Mandatory XXXX Blocking Rule When a consumer submits an Identity Theft Report, the credit bureau shall block the fraudulent item within XXXX business days. 



XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers Can not Report Inaccurate Information A furnisher may not report information that is inaccurate or disputed with an Identity Theft Report. 



XXXX. 15 U.S.C. 1681i Reinvestigation Requirement Unverified information must be deleted. 



XXXX. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs are strictly liable for failure to maintain accuracy. 





V. XXXX  REQUIRED CORRECTIONS XXXX  has failed to maintain accurate personal information and has continued to report fraudulent accounts after receiving : My disputes My affidavits My FTC Identity Theft Report XXXX MUST : XXXX. Correct My Legal Name The only lawful name to be reported is : XXXX XXXX XXXX XXXX No other name variations are authorized. 



XXXX. Correct My Address XXXX  must update my file to reflect : XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX. Remove XXXX XXXX XXXX employer is authorized to be listed on my profile. 



XXXX. Remove Fraudulent Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Collection Account ) Both must be deleted under 15 U.S.C. 1681c-2 ( a ). 







VI. XXXX  REQUIRED CORRECTIONS XXXX. Remove ALL Unauthorized Inquiries XXXX must delete : All Regular ( XXXX  ) Inquiries All Promotional Inquiries All Account Review Inquiries XXXX Account Review Inquiries ( all must be removed ) Specific Inquiry to Remove : XXXX Dated XX/XX/XXXX XXXX. Remove Fraudulent Accounts XXXX XXXX XXXX / XXXX  Both are fraudulent and must be deleted under identity theft law. 







XXXX. EQUIFAX REQUIRED CORRECTIONS XXXX. Correct My Legal Name Equifax must list only : XXXX XXXX XXXX XXXX XXXX. Remove ALL XXXX  Inquiries Equifax must delete : All XXXX Soft Inquiries All Account Review Inquiries All promotional inquiries XXXX. Remove Fraudulent Accounts XXXX XXXX XXXX / XXXX  Both must be immediately blocked and deleted. 







XXXX. FAILURE TO COMPLY Under FCRA civil liability statutes : 15 U.S.C. 1681n Willful violations 15 U.S.C. 1681o Negligent violations The credit bureaus are now on notice that failure to correct these violations will result in : Civil action Statutory damages Punitive damages XXXX  escalation Injunctive relief XXXX. NOTICE TO FTC & XXXX ATTORNEY This document is forwarded to : Federal Trade Commission ( FTC ) United States Attorney XXXX of Arizona for investigation into : Identity theft violations Willful non-compliance by the CRAs Continued reporting after an Identity Theft Report Violations of the XXXX blocking rule Harm caused to the XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, declare under penalty of perjury that the statements in this Notice are true, correct, and complete. 





XXXX. SIGNATURE XXXX XXXX XXXX XXXX XXXX, Arizona Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief