Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau From : XXXX XXXX Email : XXXX Date : XX/XX/XXXX Subject : Immediate Action Required Permanent Deletion of Inaccurate, Unverifiable Accounts & Personal Information Correction XXXX. Personal Information Verification Legal Name : XXXX XXXX InCorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment XXXX XXXX XXXX remove All personal identifying information, including name, addresses, and employment, must reflect my correct legal information. Variations or errors constitute violations under FCRA 1681e ( b ), GLBA, and GA O.C.G.A. 10-1-393 ( a ). All accounts must be associated only with the verified information herein. 

2. Inaccurate / Unverifiable Accounts XXXX XXXX XXXX XXXX XXXX XXXX  only ) : Account closed XX/XX/XXXX, yet derogatory reported through XX/XX/XXXX. 


Unauthorized charges, undelivered items, no wet signature. 


Violates FCRA 1681c ( a ) ( 4 ) ; must be deleted immediately. 


Must be deleted immediately. 


XXXX XXXX XXXX XXXX XXXXXXXX Equifax Accounts misreported as Open, missing critical fields, inconsistent across bureaus. 


Must be deleted immediately. 


Unauthorized Hard Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Made without permissible purpose ( FCRA 1681b ( f ) ) Must be removed immediately. 


Data Breach Considerations : Accounts impacted by Equifax XXXX XXXX  breaches are unverifiable ( FCRA 1681i ( a ) ( 5 ) ( B ), GLBA ) and must be deleted immediately. 



3. Completeness & Accuracy Requirement Under FCRA 1681e ( b ), all credit reporting agencies and furnishers are required to follow reasonable procedures to ensure maximum possible accuracy. 

The tradelines, hard inquiries, and personal identifying information reported by XXXX XXXX, and XXXX XXXX are inaccurate, incomplete, unverifiable, and inconsistent across bureaus, violating this statutory duty. 

I demand that all inaccurate, incomplete, and unverifiable information be permanently deleted. Any failure to comply constitutes willful noncompliance, actionable under FCRA 1681n, 1681o. 




Identity Misuse / Privacy Violations : Use of SSN for identification without consent violates GLBA.

Data Breach Exposure : Breach-impacted accounts are legally unverifiable ( FCRA 1681i ( a ) ( 5 ) ( B ), GLBA ).

Consumer Protection Violations : Georgia consumer protection laws ( O.C.G.A. 10-1-393 ( a ), 10-1-372 ) apply to misreporting, inaccuracies, and unauthorized credit activity.

Completeness/ Maximum Accuracy : FCRA 1681e ( b ) ensures full statutory backing. 


FDCPA Violations : Collection accounts misrepresented and unverifiable ( FDCPA 807 ). 



XXXX. Requested Actions Permanent Deletion : ALL XXXX XXXX, XXXX XXXX, XXXX XXXX accounts, and all soft and hard inquiries. 


No Re-insertion or Update : No account may be reinserted, updated, or modified without full verification and my explicit written consent ( FCRA 1681i ( a ) ( 5 ) ( B ) ). 


Cross-Reporting Prevention : Furnishers are prohibited from reporting these accounts to bureaus where they are not currently listed. 


All Rights Reserved/ Preserved : I expressly reserve all rights to pursue civil, regulatory, or administrative action for willful violations, reinsertion, or unauthorized activity. 



6. Harm Severe credit score damage, repeated denials, blacklisting Emotional distress, reputational harm, physical/mental health impact Harm to children and family Accounts previously paid or disputed, misreported, and unverifiable Inability to access loans, mortgages, or services 7. Conclusion Deletion and correction of all accounts, hard inquiries, and personal information is the only lawful remedy. I request immediate enforcement, without delay, and certification that no reinsertion, update, or modification will occur without verification and explicit consumer consent. 
Respectfully, XXXX XXXX All Rights Reserved / Preserved

Company response to consumer: Closed with non-monetary relief