Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Formal Request for Permanent Deletion and Blocking of Inaccurate or Fraudulent Information Pursuant to FCRA 605B, 1681c-2, 1681b ( 2 ), 1681a ( 4 ) Dear Credit Reporting Agency Representative , I, XXXX XXXX , am writing under the authority granted to me by the Fair Credit Reporting Act ( FCRA ) to formally request the immediate deletion and permanent blocking of all negative information related to student loans and repossessions currently appearing on my credit report, which are inaccurate, unauthorized, or the result of identity theft or reporting error.

Under FCRA 605B [ 15 U.S.C. 1681c-2 ], when a consumer notifies a credit reporting agency that information in their file results from identity theft or fraud, the agency must block that information within four ( 4 ) business days upon receipt of the consumer 's notification and supporting documentation. Furthermore, under FCRA 1681b ( 2 ), no credit bureau has authorization to disclose, report, or maintain any information without the explicit and legal consent of the consumer, nor may it continue to use disputed data that lacks proper verification.

In accordance with FCRA 1681a ( 4 ), consumer information must be accurate, verifiable, and solely for purposes permitted by law. Any data associated with a loan or contract not authorized by me constitutes a direct violation of federal privacy and accuracy statutes.

Therefore, I formally demand that you : Immediately block and delete all negative information related to the disputed accounts.

Provide written confirmation of total deletion pursuant to 15 U.S.C. 1681i ( a ) ( 6 ).

Refrain from any reinsertion of such information unless certified verification and prior written notice are provided in compliance with 1681i ( a ) ( 5 ) ( B ).

The fraudulent accounts to be blocked and deleted are as follows : Account Name : XXXX XXXX XXXX, Account Number : XXXX Type : Collection Reason : Identity Theft require immediate block & deletion under FCRA 605B. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Type : Collection Reason : Identity Theft require immediate block & deletion under FCRA 605B. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Type : Collection Reason : Identity Theft require immediate block & deletion under FCRA 605B. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Type : Collection Reason : Identity Theft require immediate block & deletion under FCRA 605B. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Type : Collection Reason : Identity Theft require immediate block & deletion under FCRA 605B. 
Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Type : Collection Reason : Identity Theft require immediate block & deletion under FCRA 605B. 

I anticipate your prompt attention to this matter. Failure to comply or respond within the legally mandated 30-day period will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Additionally, any information published, reported, or shared without my express authorization is considered fraudulent or obtained under federal law. The continued reporting or use of such unauthorized data constitutes a serious violation of my consumer rights, federal privacy statutes, and the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX Additional, any information published, reported, or shared without my express authorization is considered fraudulent or obtained under federal law. The continued reporting or use of such unauthorized data constitutes a serious violation of my consumer rights, federal privacy statutes, and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation