Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
Identity Theft Notification Legal Demand to Delete Unverified Accounts and Inquiries Under 15 U.S.C. 1681b and 1681c-2 | FTC Identity Theft Report # XXXX on File Dear Equifax Legal Department XXXX This letter serves as a formal legal notice and demand to delete all unauthorized, unverified, or potentially fraudulent accounts and inquiries currently being reported on my credit file. I have filed an official report with IdentityTheft.gov ( FTC Report # XXXX ) and submitted multiple dispute notices to Equifax, including letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have not granted Equifax or any third-party furnisher permission to report or sell any of my personal or financial data, nor have I entered into agreements for the items listed below. These entries are being maintained on my credit file without a permissible purpose, in violation of 15 U.S.C. 1681b.

Additionally, under 15 U.S.C. 1681c-2, Equifax is prohibited from reporting any information that may be the result of identity theft after formal notice has been submitted which this letter and my FTC Identity Theft Report now represent. 

It is well known that many data furnishers can not provide original applications, signed contracts, or documentation with my wet signature because none exist. Thus, you are legally obligated to delete these items without delay. 

Disputed Accounts ( Must Be Permanently Deleted ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EQUIFAX XXXX XXXX EQUIFAX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Basis for Immediate Deletion : 15 U.S.C. 1681b You are furnishing/maintaining information with no permissible purpose or written consent.

15 U.S.C. 1681c-2 You are required to block or remove information that may be the result of identity theft once notified.

CFPB Complaint Opened Equifax is under review for failing to conduct proper investigations as required by 15 U.S.C. 1681i.

I also remind you that continued publication or distribution of unverifiable, unauthorized, or fraudulent information will be considered willful noncompliance and subject to legal action.

Required Action : Immediately delete all accounts and hard inquiries listed above.

Provide written confirmation of deletion within 15 calendar days.

Cease reporting, furnishing, or reselling any information on my file without documented authorization.

Failure to Comply Will Result In : Escalated complaints with the FTC, CFPB, and New Jersey Attorney XXXX XXXX XXXX litigation for violations of 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final opportunity to comply with federal law. I expect full deletion and written confirmation within the timeframe provided.

Company response to consumer: Closed with non-monetary relief