Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Equifax / Experian / TransUnion Dispute Department Subject : Urgent Dispute Identity Theft and Fraudulent Accounts Under Federal Consumer Protection Laws Dear Equifax / Experian / TransUnion Dispute Department, Recently, Ive discovered there is a list of misinformation being furnished to my credit report without any written or electronic communication being provided to me, as a consumer, prior to doing so. This is violating my right to privacy with fairness, impartiality, and respect. As a consumer, I have not received any written or electronic documents that permits my nonpublic, personal information should be disclosed to your agency nor have I been given the opportunity to opt out of disclosure which is in direct violation of 15 U.S. Code 6802. Your agency continues to violate my rights, as a consumer, by not only furnishing information on my report but doing so without any written instructions from me according to 15 U.S. Code 1681b. 
Credit reporting agencies can not receive and furnish a consumer 's personal information without respecting their right to privacy, giving written or electronic forms of disclosures, and receiving written instructions back from the consumer which leads to 18 U.S. Code 1028A. Your agency, knowingly, possesses my nonpublic information, without any lawful authority, and continues to use my information by furnishing a public consumer report which is a direct case of aggravated identity theft. None of the negative information, included in this dispute letter, is related to transactions carried out by me. Respectfully, I demand that the negative information listed below be blocked and deleted from my credit report no later than 4 days after receiving my request.

These companies transferred my nonpublic, personal information without lawful authority and failed to provide an explanation of how to opt out of disclosure nor did they provide the opportunity to do so according to 15 U.S. Code 6802 ( b ). 15 U.S. Code 1681 ( b ) ( 2 ) clearly states 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. So, according to 15 U.S. Code 1681 ( b ) ( 2 ), the consumer reporting agency, must receive written instructions from me, the consumer, to furnish any items on my consumer report. I DID NOT WRITE ANYTHING TO ANY COMPANY TO ALLOW THIS. The companies listed above, along with the consumer reporting agency, are both violating my consumer rights, which is illegal. Cease and desist all communication ; communication through any medium according to 15 U.S. Code 1692a ( 2 ). BLOCK AND DELETE THESE ACCOUNTS IMMEDIATELY. None of the adverse information, listed above, is related to transactions carried out by me.

TRADELINE ACCOUNTS TO BE BLOCKED & REMOVED : Account Name : 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 I have no legal contract with these companies, nor have I given them any written consent to furnish these items to my consumer report. According to 15 U.S. Code 1681 ( b ) ( 2 ), the consumer reporting agency must receive written instructions from me, the consumer, to furnish any items on my consumer report. I DID NOT WRITE ANYTHING TO ANY COMPANY TO ALLOW THIS. Cease and desist all communication ; communication through any medium according to 15 U.S. Code 1692a ( 2 ). BLOCK AND DELETE THESE ACCOUNTS IMMEDIATELY.

STATEMENT TO AVERT REINSERTION OR REAPPEARANCE 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of Inaccurate or Unverifiable Information If any information is deleted or modified as a result of reinvestigation, it can not be reinserted unless the furnisher certifies its accuracy and the consumer is notified within five business days. I hereby state : NO NEGATIVE INFORMATION SHALL REAPPEAR OR BE REINSERTED INTO MY CONSUMER REPORT. Without incontestable and legally verifiable evidence, no person, data furnisher, or reseller can certify that the disputed information is accurate or complete. With no authorization or written instructions from myself, the consumer, no person, data furnisher, or reseller can certify that the disputed information is accurate or complete. NO PREVIOUSLY DELETED, NEGATIVE INFORMATION SHALL REAPPEAR OR BE REINSERTED INTO MY CONSUMER REPORT. 

Legal Grounds for My Dispute : 15 U.S. Code 1605 Misrepresentation or fraudulent finance charges are invalid.

15 U.S. Code 1666 Protects consumers against billing errors and unauthorized accounts.
15 U.S. Code 1666b Prohibits premature late fees and charges.

15 U.S. Code 1681c-2 Bars reporting of fraudulent items related to identity theft.

15 U.S. Code 1681d Governs the lawful use of investigative consumer reports. 

Request for Immediate Action : Under 15 U.S. Code 1681i, I am requesting : Immediate deletion of all unauthorized hard inquiries, late payments, collections, and charge-offs. 
Permanent blocking of all disputed and fraudulent tradelines. 
Written confirmation of the deletions and blockages. 
Failure to comply will result in immediate complaint filings with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my legal representation. 
Thank you for your immediate attention to this legal matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief