Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax : I am writing to formally demand that Equifax immediately produce a copy of any and all contracts, agreements, signed consents, or purchase agreements between myself, XXXX XXXX, and Equifax ( or any party reporting information to Equifax ) that explicitly authorizes : The reporting of any negative credit information or late payments concerning me ; The release or publication of my personal and identifying information to any third party ; The inquiry or investigation of my credit profile ; and My waiver of rights under applicable state or federal law. 

Please provide a copy of any such contract, bearing my notarized signature, authorizing these actions. If you are relying on any security agreement, purchase agreement, or similar instrument under federal, state, or non-UCC law, you are required to produce it in full, with all relevant dates, signatures, and terms.

If you can not produce this documentation, you are hereby notified that you are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and possibly other federal and state consumer protection statutes, including but not limited to statutes pertaining to privacy, individual rights, and the unlawful publication of inaccurate, unverifiable, or unauthorized information. 

Furthermore, the request or demand for personal documentation such as leases, deeds, or copies of government-issued identification, without a legitimate, legally authorized basis or contractual right, constitutes an invasion of privacy and a violation of my statutory and constitutional rights. Should you continue to request or utilize such information without proper legal authority, you may be liable for statutory damages. 

Please be further advised that, under my reservation of rights, I assess agreed damages in the amount of {$5000.00} ( Five Thousand Dollars ) per day, per violation, for any ongoing publication, inquiry, or inaccurate reporting regarding my personal credit file, effective as of the date of this notice. This assessment is provided as a good-faith notice regarding your continued unauthorized action and my objection to the ongoing publication and use of my information. 

Absent production of valid, written, and signed contractual authority, you are required to : Immediately cease and desist all negative reporting and unauthorized credit inquiries ; Remove any and all unverifiable or unauthorized information previously published concerning my credit file ; Confirm, in writing, all steps taken to comply with this notice. 

Failure to comply with these demands will result in the pursuit of all available legal remedies, including claims for statutory damages, injunctive relief, and the initiation of complaints with relevant state and federal agencies. 

Nothing in this correspondence should be construed as a waiver of any rights, remedies, or defenses available to me under law or equity. 

Sincerely,

Company response to consumer: Closed with explanation