Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Date : XX/XX/year> RE : NOTICE TO CEASE AND DESIST UNAUTHORIZED ACTIVITY, IMPROPER BILLING, AND UNLAWFUL ENRICHMENT To Whom It May Concern : This letter serves as a formal Cease and Desist Notice regarding your organizations involvement in the unauthorized use, reporting, billing, or collection of services connected to XXXX XXXX XXXX ( XXXX ) and other retail shipping activities, purportedly occurring in or around XXXX, Georgia. 

These activities were not authorized by me, were performed without my knowledge or consent, and constitute theft of services and unjust/unlawful enrichment at my expense. I dispute any and all charges, accounts, records, or service obligations you or your affiliates claim I owe relating to these shipping transactions. 

XXXX. VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) If your company has furnished, reported, or communicated any information regarding these disputed charges to one or more consumer reporting agencies, please take notice of the following : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to : a. Cease Reporting Inaccurate Information You must immediately stop furnishing any inaccurate, incomplete, fraudulent, or unverified information to any consumer reporting agency.

b. Conduct a Reasonable Redress Any failure to properly investigate or correct inaccurate information constitutes a violation of federal law. Upon receipt of this notice, you are obligated to conduct a full investigation.

c. Remove Any Fraudulent or Unverified Account Information If you can not fully verify the legitimacy of the charges or service records, you must delete and permanently cease reporting them.

Failure to comply may result in civil liability under 15 U.S.C. 1681n and 1681o, including actual damages, statutory damages, punitive damages, and attorneys fees.

2. CEASE AND DESIST COLLECTION & CONTACT You are hereby instructed to immediately cease and desist from : Attempting to collect any alleged debt related to these shipping or parcel service activities Communicating with me about any disputed accounts, except as permitted by law Selling, transferring, assigning, or sharing the disputed account with any third party Reporting or re-reporting the disputed information to any credit bureau Any further collection attempts will be documented as evidence of continued misconduct.

3. FRAUDULENT ACTIVITY & UNLAWFUL ENRICHMENT The unauthorized use of shipping services, billing of unapproved transactions, and the attempt to charge me for services I did not request constitutes : Theft of services Fraudulent billing Unjust and unlawful enrichment Violations of state and federal fraud statutes I demand the immediate suspension and removal of all related account activity.

4. REQUIRED RESPONSE Within 15 days of receiving this notice, please provide : 1. Written confirmation that you have ceased all reporting and collection efforts 2. Documentation demonstrating complete deletion of any related trade lines or entries from any consumer report 3. Verification and explanation of any record your organization claims establishes an obligation, including : Signed contracts Shipping documents Proof of authorization Any billing history 4. A full accounting of all entities with whom you have shared this disputed information 5. RESERVATION OF RIGHTS Nothing in this letter shall be construed as a waiver of any of my rights or remedies under federal or state law. I reserve the right to pursue : Regulatory complaints Civil action Claims for damages Attorneys fees if you fail to comply.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation