Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Final Dispute and Demand for Correction Pursuant to FCRA To Whom it May Concern, This letter serves as my third and final notices regarding the deficient, inaccurate and unverified information that is currently appearing on my consumer credit profile. I am referencing the account/file XXXXalong with all related internal file numbers and identifiers that your agency maintains for these matters. Appearing in my consumer credit file maintained by your agency. I am acting under my right provide by Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681 et seq.

I am demanding the immediate removal of this information as it is inaccurate, unverified, and in violation of my rights under the Fair Credit Reporting Acc ( FCRA ). You are responsible for ensuring that any information furnished about me is 100 % accurate, complete, verified, and legally permissible to report. Failure to do so constitutes negligent and willful noncompliances, previously notified your agency of inaccurate and/or unverifiable information, and I now assert that you have failed to correct, delete, or substantiate the disputed data within the timeliness under federal law.

As per 15U.S.C. & 1681i and & 1681e ( b ) you are required to ensue the accuracy of all reported of all reported data and must delete or correct any information that can not be fully verified. To date, you have failed to comply with this obligation.

Data Breach Notice & Additional Violation I am also aware that your company has experienced a data breach affecting consumer information. This breach directly calls into question your ability to maintain secure accurate, verified records and undermines any claim that you are properly protecting, handling or validating consumer data Demand for Validation & Documentation I addition, I am formally requesting all information numbers, supporting documentation, consumer complaints, case law, contractual evidence, and all records used to validate this account for reporting purposes including but not limited to : 1. Full verification documentation 2. Contractual agreements with my signature 3. Billing and account records 4. Chain of custody/ownership documentation 5. Legal right to collect or report 6. Any complaints or case filing associated with this account 7. Case law and regulatory guidance authorizing your compliance position 8. Documentation acknowledging or detailing your data breach incident If you are unable or unwilling to produce the above documentary validation, you are required to delete this account from my consumer file.

Time Frame & Civil Notice You are hereby afforded 15 calendar days from receipt of this letter to - Delete the disputed account OR - Provide full documentary validation as listed above.

Failure to comply within the allotted time will result in my pursuit of legal remedies, including but not limited to filing complaints : 1. Consumer Financial Protection Bureau ( CFPB ) 2. Federal Trade Commission ( FTC ) 3. State Attorney General 4. XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I will pursue civil action for statutory damages and violations including but not limited to FCRA violations, privacy violations, and negligent handling of consumer data under applicable federal and state law statutory damages due to continued reporting of unverified and inaccurate information, as permitted under 15U.S.C. & 1681n and & 1681o. 

This serves as my information final notice ; I expected immediate compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation