Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Pursuant to 15 USC 1692a ( 3 ) I am the cosmer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

I Declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL AND STATE LAW to file this dispute. I also understand that Knowing and willful misstatement or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that | listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization -used my personal identifying information to apply for good, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC * * 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

* * 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( consumer right to vacy ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their gra sponsibilities with fairness, impartiality, and a respect for the consumer 's right to priva I have a right to privacy.

* * 18 U.S. Code 1028A - Aggravated identity theft a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

( 2 ) Terrorism offense.

loever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( wingly transfers, possesses, or uses, without lawful authority, a means of identification of anot person or a false identification document shall, in addition to the punishment provided for such elony, be sentenced to a term of imprisonment of 5 years.

* * 18 U.S. 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstances described in subsection ( c ) of this section- ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a felony under any applicable State or local law ; Shall be punished as provided in subsection ( b ) of this section ( b ) The punishment for an offense under subsection ( a ) of this section is- ( 1 ) ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or se of 1 or more means of identification if, as a result of the offense obtains anything of vali ggregating {$1000.00} or more during any 1-year perio * * 12 CFR. 1022.3 and r pertin heft measa fraud commited or attempted using the identifying information of You Violated The United States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
This seas is in iting if XXXX dir, XXXX They Were to notty me of his vaiting days ebt. Therefore, the following accounts must be deleted from my report. Your Register gent also recieved Notice XXXX XXXX XXXX and Noitce of Default with opportunity Notice to all, I am presenting myself as a federally protected consumer and to my understanding you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have en developed to uphold a consumer 's credit worthiness, credit standing, credit capacity, charac d most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission or written instructions this is a volation of federal law pursuant to 15 usc 1681b. I want these accounts deleted immediately. 
The accounts are listed below : XXXX  ( Account ending in XXXX ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in 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 XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX  Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Banks XX/XX/XXXX Experian XXXX Installment Loans XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax Also , a credit report that reflect updated changes should be sent. You have 4 days to respond pursuant to 12 CFR 1022.3 ( ( ) ( 1 ) ( ii ) ( A ). Please look into this matter imminently before you are held civilly and criminally liable pursuant to federal law. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 18 U.S. 1028 Aggravated Identity Theft 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting 10. ) United States Code Law 15 U.S. Code 1666b. Timing of payments My contact information is as follows : ( XXXX ) XXXX ) { XXXX thornwood place XXXX pa XXXX } XXXX : ( XXXX ) XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CXXXX XXXX XXXX XXXX  -. XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance

Company response to consumer: Closed with non-monetary relief