Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX XXXX : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Identity Theft and FCRA Dispute XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ) Request for Immediate Deletion Due to Lack of Permissible Purpose and Privacy Violations To Whom It May Concern, This letter serves as a formal dispute and identity theft notice pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) and 1681b ( f ) regarding two unauthorized collection accounts appearing on my consumer report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX I did not authorize, open, or acknowledge any accounts with these entities. I have no business relationship or contractual agreement with either company, and their access to or reporting of my personal data is unauthorized. 

I. LACK OF PERMISSIBLE PURPOSE FCRA 1681b Under 15 U.S.C. 1681b ( f ), no entity may access or report a consumers credit file without a legitimate permissible purpose. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX has presented any evidence of such purpose, such as : A signed contract or agreement, A valid application, or My express consent. 

Absent this, any data furnished to Equifax by these companies is unauthorized, inaccurate, and in violation of federal law. 

II. VIOLATION OF PRIVACY RIGHTS 16 C.F.R. PART 313 Both furnishers and Equifax are also bound by 16 C.F.R. Part 313 Privacy of Consumer Financial Information. This includes : 313.3 : Defines nonpublic personal information ( e.g., name, SSN, account numbers ) which can not be shared without authorization. 

313.4 : Requires an initial privacy notice to be delivered before collecting or disclosing such information. 

313.8 : Requires revised privacy notices if practices change. 

No such notices have ever been issued to me by either company, making their acquisition, use, and reporting of my private data unlawful and unconsented. 

III. IDENTITY THEFT CLAIM FTC REPORT INCLUDED I have been a victim of identity theft, and this notice includes my FTC Identity Theft Report for your records. These accounts were not authorized by me and may have resulted from unauthorized use of my personal data. Reporting these accounts is reckless and exposes me to harm and reputational damage. 

IV. DEMAND FOR IMMEDIATE ACTION Pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), you are required to delete any disputed information that is found to be inaccurate, unverifiable, or reported without permissible purpose. I hereby demand : Immediate deletion of both collection accounts ( XXXX and XXXX ) from my consumer file. 

A full reinvestigation in compliance with the FCRA an

d CFR privacy regulations. A written response confirming deletion within 30 calenda
r days.

Failure to delete unverifiable and unauthorized data may be deemed a willful violation of the FCRA and result in enforcement actions, regulatory complaints, and legal remedies under 15 U.S.C. 1681n. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX Enclosures : FTC Identity Theft Report Copy of This Letter Copy of Consumer Report Highlighting Accounts

Company response to consumer: Closed with non-monetary relief