Consumer complaint received 2025-12-15 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: ID Analytics, Inc.
State: NY

Complaint narrative:
This correspondence places XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on formal notice of continuing statutory violations and interference with a binding judicial order. 

Despite actual notice of identity theft, sworn affidavits, multiple disputes, and a Temporary Restraining Order ( TRO ) issued on XX/XX/XXXX by the Supreme Court of the State of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, your agencies continue to maintain, publish, and disseminate fraudulent and inaccurate consumer data, including information derived from or connected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Your continued reporting constitutes violations of federal law, New York statutory law, and contemptuous interference with a court-ordered restraint. 

XXXX. Violation of the XX/XX/XXXX Temporary Restraining Order On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, issued a Temporary Restraining Order expressly prohibiting : the furnishing, publishing, circulation, dissemination, or re-reporting of any disputed tradeline identified in the proceeding. 

That TRO remains fully binding, including after removal to federal court, pursuant to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) and Fed. R. Civ. P. 81 ( c ). 

By continuing to maintain and disseminate data concerning XXXX XXXX XXXX XXXX XXXX your agencies are : Acting in concert with restrained consumer reporting agencies ; Undermining the court-ordered status quo ; Engaging in conduct constituting active contempt and equitable interference with trust property. 

XXXX. Violation of the XXXX XXXX  Fair Credit Reporting Act ( XXXX XXXX ) XXXX XXXX XXXX governs reporting involving a XXXX XXXX  consumer and imposes independent obligations beyond federal FCRA. 

XXXX XXXX Duties of Furnishers & Reporting Agencies Requires entities that assemble or evaluate consumer data to : Report only accurate information ; Correct or delete inaccurate data ; Cease dissemination of identity-theft related information ; Respect known disputes and sworn identity-theft documentation. 

XXXX XXXX Identity Theft Blocking Requires blocking within XXXX ( XXXX ) business days after receipt of : An FTC Identity Theft Report, or A sworn identity-theft affidavit. 

Each of you received such notice. 
No lawful blocking has occurred. 

XXXX. Violation of the XXXX XXXX  Identity Theft Prevention Act XXXX XXXX  Identity Theft Prevention Act mirrors FCRA 1681c-2 and mandates that consumer reporting agencies and data brokers must : Cease reporting identity-theft data upon notice ; Block fraudulent accounts ; Implement reasonable procedures to ensure accuracy. 

Your failure to do so constitutes statutory noncompliance. 

XXXX. Violation of XXXX XXXX  XXXX XXXX XXXX XXXX ( Deceptive Acts & Practices ) Continuing to publish false delinquency, charge-off, or risk data after : An FTC Identity Theft Report ; Repeated disputes ; A binding state-court TRO ; constitutes a deceptive business practice under XXXX XXXX. 

XXXX XXXX law prohibits : Misrepresentation of consumer debt status ; Unfair or deceptive credit-related practices ; Publication of data known to be false or unverified. 

Each element of a XXXX XXXX claim is satisfied. 

XXXX. Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  provides heightened privacy protections, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrohibition against nonconsensual publication of personal information causing reputational harm. 

By continuing to associate my name and trust with fraudulent accounts, your agencies are engaging in unlawful publication and reputational injury. 

XXXX. Violation of Federal FCRA Duties ( Supplemental ) Without waiving state-law claims, your conduct also violates minimum federal standards : 15 U.S.C. 1681e ( b ) Maximum possible accuracy ; 15 U.S.C. 1681i Reinvestigation obligations ; 15 U.S.C. 1681c-2 Identity-theft blocking ; 15 U.S.C. XXXX Furnisher accuracy duties. 

No correction, deletion, or blocking has occurred. 

XXXX. Violation of FTC Identity Theft Rules Federal regulations prohibit any consumer reporting agency or data broker from continuing to disseminate information resulting from identity theft after notice. 

Your continued publication constitutes an unfair and deceptive act under the FTC XXXX. 

XXXX. Interference With XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent data impacts not only the living individual but also : The fiduciary identity ; The financial standing ; The equitable estate of the XXXX XXXX XXXX XXXX, a XXXX statutory trust. 

Unauthorized publication or administration of trust-held identifiers constitutes : Interference with trust property ; Equitable trespass upon a private estate ; Actionable misconduct under exclusive equity jurisdiction.

Company response to consumer: Closed with explanation