Consumer complaint received 2025-11-17 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: KS

Complaint narrative:
XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, KS XXXX ( XXXX ) Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Via Certified Mail & Email To : Equifax Fraud Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX FORMAL IDENTITY THEFT DISPUTE & CEASE AND DESIST DEMAND Subject : Notice Under FCRA & FDCPA Request for Immediate Action To Whom It May Concern : I, XXXX XXXX, submit this letter in my own capacity and without any third-party assistance. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby provide formal notice of identity theft and dispute the fraudulent items listed below. I demand immediate investigation and permanent deletion of these records from my credit file. 

This letter also serves as a CEASE AND DESIST ORDER directing Equifax to immediately stop reporting, re-inserting, or distributing any fraudulent or unauthorized accounts associated with my credit profile. 



IDENTIFICATION OF FRAUDULENT ACCOUNTS AND INQUIRIES The following accounts and inquiries were opened, reported, or otherwise recorded without my authorization : Fingerhut AccounXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$190.00} XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Revolving credit limit {$2500.00} The following accounts were previously removed but wrongfully reinserted on XX/XX/XXXX, XXXX clear violation of my original complaint and a direct breach of the XXXX XXXX prohibitions : Account Transferred or Sold Charged Off Account Charge Account This conduct violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which strictly forbids reinsertion of deleted items without proper certification from the furnisher and written notice to the consumer within five ( 5 ) business days.

LEGAL AND FACTUAL BASIS FOR REMOVAL 1. No Valid Authorization or Agreement No legitimate application, contract, or signed agreement links me to these accounts.

2. Unauthorized Use of Personal Information My identity and personal data were used without my consent.

3. Failure to Provide Verification or Documentation Neither XXXX XXXX XXXX creditors have provided any legally required verification. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Equifax reinserted fraudulent data without proper notice, directly violating the FCRA. 



SUPPORTING CASE LAW XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that a CRA can not rely solely on a furnishers word when reinserting or verifying disputed information ; failure to conduct an independent investigation violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX ) : The court held that reinsertion of inaccurate information without proper certification and consumer notice violated XXXX1i ( a ) ( 5 ) ( B ), making the CRA liable for damages.

FORMAL CEASE AND DESIST DEMAND Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) of the FCRA, and the FDCPA, I demand that Equifax : 1. Cease and desist immediately from reporting, reinserting, or distributing the fraudulent accounts and inquiries listed above. 
XXXX. Permanently delete all related data from my credit file. 
3. Block any future attempts to reinsert fraudulent information without full compliance with the law.

4. Notify all relevant furnishers and credit bureaus of the deletion and correction.

5. Provide written confirmation of compliance within five ( 5 ) calendar days of receipt of this notice.

ENCLOSURES Copy of FTC Identity Theft Report NOTICE OF INTENT TO PURSUE LEGAL REMEDIES Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Kansas Attorney Generals Office, as well as civil litigation for damages, attorneys fees, and statutory penalties under the FCRA and FDCPA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation