Consumer complaint received 2025-06-04 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: MI

Complaint narrative:
This is a formal dispute and demand for immediate suppression and deletion of fraudulent and unauthorized accounts and inquiries appearing on my credit report. As a documented victim of the Equifax data breach, my personally identifiable information ( PII ) was compromised, and I have since identified unauthorized entries that pose severe harm to my creditworthiness. 

Fraudulent Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account is fraudulent, inaccurate, and unverified. I have no knowledge of any such debt, and you have produced no valid documentation proving my liability. Under 15 U.S. Code 1681b and 15 U.S. Code 1692g, you are required to provide documented evidence of both the debt and your right to collect it. 
Furthermore, I have reported this issue to the Federal Trade Commission ( FTC ), and it is under investigation. You are required to DELETE this account IMMEDIATELY or face legal consequences. 

Unauthorized Inquiries DELETE IMMEDIATELY The following credit inquiries are unauthorized, made without my knowledge or consent, and must be deleted. Under 15 U.S. Code 1681b, you must have a permissible purpose and valid signed authorization to access my credit report. Failure to provide such evidence constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these inquiries was made without my consent. As a consumer affected by a data breach, these are fraudulent and must be removed immediately unless you can provide legally verifiable, signed documentation proving authorization. Failure to do so may result in regulatory complaints and civil litigation. 

Additional Demands for Verification and Compliance I have reviewed my credit file and found no lawful basis for several items currently being reported. You are now required to : Dismiss all current and historical claims that lack documented, verifiable proof.

Provide evidence of full compliance with the Metro 2 format and XXXX  standards. 

Demonstrate lawful authority to report or collect any debt associated with my identity. 

Cease all reporting or collection activities on any item that is unverified, incorrect, or lacking documentary support. 

Legal Warning and Resolution Timeline You have 20 days from the date of this notice to fully comply. Non-compliance will constitute a willful disregard of consumer rights under FCRA, FDCPA, and other applicable laws.

If you fail to meet these demands, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney General ; Pursue civil legal action for each violation, seeking a minimum of {$1000.00} per infraction ; Consider criminal referral if any intentional deception or negligence results in financial harm. 

Unless I receive confirmation that all disputed items have been permanently deleted and no further action will be taken against me, I will consider your actions hostile and in breach of federal law. 

This is your opportunity to correct your reporting errors and demonstrate good-faith compliance with federal regulations. I require a written response confirming your actions, including the complete removal of the disputed accounts and inquiries. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation