Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am issuing this URGENT FINAL DEMAND for the immediate and permanent deletion of fraudulent and unauthorized accounts from my credit file, as mandated by the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). My personal information was compromised in a data breach, resulting in the unauthorized inclusion of the accounts detailed below.

These accounts were previously removed from my credit report, as evidenced by the attached documentation, but have been fraudulently reinserted without prior notification, which constitutes a direct violation of federal law. You are legally obligated to DELETE THESE ACCOUNTS IMMEDIATELY, and failure to comply within the statutory timeframe will result in swift legal and regulatory action against Equifax. 
The accounts that must be permanently deleted from my credit file are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Compromised in Data Breach, Delete Immediately, with evidence in the attached screenshot confirming its removal between XX/XX/XXXX XXXX XXXX XXXX and its reinsertion is fraudulent and illegal. 
XXXX ( XXXX XXXX XXXX  ), Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compromised in Data Breach, Delete Immediately, with evidence in the attached screenshot confirming its removal between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and its reinsertion is fraudulent and illegal. 
DP OF EDUC ( Department of Education ), Account Number : XXXXXXXX XXXX XXXX Compromised in Data Breach, Delete Immediately. 

Your agency has flagrantly violated multiple federal laws. Under FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), accounts previously removed can not be reinserted unless the credit bureau provides written notification to the consumer within five ( 5 ) business days, including the name of the data furnisher and certification of accuracy, and I have received no such notification regarding the reinsertion of the XXXXXXXX XXXX and XXXX accounts, despite clear evidence of their prior removal ( see attached screenshots ), making this reinsertion illegal and requiring immediate correction. Additionally, FCRA Section 605B ( 15 U.S.C. 1681c-2 ) requires you to block information resulting from unauthorized use within four ( 4 ) business days of receiving a consumers written request with valid identification, and these accounts stem from a data breach and are unauthorized, so your failure to block them is a willful violation of this statute. Furthermore, GLBA Section 502 ( 15 U.S.C. 6802 ) prohibits the disclosure of my nonpublic personal information without my consent, which your continued reporting of these fraudulent accounts breaches. Finally, under the FDCPA ( 15 U.S.C. 1692e ), reporting these accounts constitutes a false or misleading representation, exposing Equifax to liability for noncompliance. 

I demand the following immediate actions : block and permanently delete the XXXXXXXX XXXX XXXXXXXX, and DP OF EDUC accounts from my credit file within XXXX ( 4 ) business days, as required by FCRA Section 605B, and within thirty ( 30 ) days for disputes under FCRA Section 611 ( 15 U.S.C. 1681i ), and provide written confirmation of their removal. Enclosed is a copy of my identification to verify my identity, as required by the FCRA. Failure to comply will result in immediate escalation, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under the FCRA, GLBA, and FDCPA, including damages for willful noncompliance. You may contact me at [ Your Contact Information ] for clarification. This is your FINAL NOTICE. ACT NOW or face the consequences.

Company response to consumer: Closed with explanation