Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EXPERIAN, EQUIFAX, and Transuion RE : Formal Dispute and Demand for Deletion and Compensation Under FCRA & FACTA To Whom It May Concern : I am writing to formally dispute the presence of false and unauthorized information reporting under my personal credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ), you are required to maintain accurate, complete, and verifiable information.

I am invoking my rights under FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. You are also in violation of FCRA 605B ( 15 USC 1681c-2 ) for failing to block and remove fraudulent information once notified. 

REMOVE ALL FRAUDULENT AND VARIATION NAMES NOT BELONGING TO ME : Only my legal birth name should be listed : [ Insert Your Legal Name as on Birth Certificate ] The following unauthorized or inaccurate names 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE FALSELY ASSOCIATED SSN : XXXX is not my Social Security Number. 
This is a federal violation under FCRA 604 ( a ) ( 15 USC 1681b ), which restricts access and use of personally identifiable information. Reporting a fraudulent SSN linked to unauthorized accounts constitutes identity theft, negligence, and false data entry.

Per FCRA 616 & 617, I hereby demand {$1000.00} in statutory damages per violation for willful noncompliance and negligent reporting of false and unauthorized information. 

REMOVE FALSELY ASSOCIATED PHONE NUMBER : ( XXXX ) XXXX I do not recognize or use this number. 

LEGAL SUPPORTING CASE LAWS FOR IMMEDIATE DELETION AND DAMAGES : XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus have a duty to conduct reasonable investigations and ensure maximum accuracy. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus are liable for failing to correct false personal data even after disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Failure to verify and correct information can lead to statutory and punitive damages. 

XXXX v. Trans Union Credit Info. CoXXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) Bureaus must delete unverifiable and false information. 

FCRA 611 ( a ) ( 5 ) ( A ) Any information found to be inaccurate or unverifiable must be promptly deleted. 

DEMANDS : Immediately delete all unauthorized names, addresses, SSNs, and phone numbers listed above. 

Block and suppress all fraudulent accounts linked to the false data. 

Provide me a corrected copy of my credit report showing only accurate identifying information. 

Confirm in writing that you have deleted all incorrect information. 

Issue compensation of {$1000.00} per violation as allowed under FCRA 616 and 617 for the harm and emotional distress this has caused. 

Cease and desist from further publishing or distributing false or unverifiable data. 

NOTICE : I have preserved evidence of these violations and retained copies of my reports. If this matter is not resolved within 15 days, I will proceed with formal litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney general. 
sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief