Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Absolutely. Below is the * * full legal text * * of the finalized CFPB complaint tailored to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  based on the fraudulent data from the credit report and grounded in FCRA 605C, 15 U.S.C. 1681c-2, and 12 C.F.R. 1022.142. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - * * To : * * TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * To : * * Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : * * * * Final Administrative Demand for Deletion of All Fraudulent Accounts, Inquiries, and Personal Data Under FCRA 605C & 15 U.S.C. 1681c-2 * * -- - * * To Whom It May Concern, * * This is a formal and final demand that * * all items listed on my consumer credit file ( XXXX ) * * with Equifax, Experian, and TransUnion be XXXX * permanently deleted * *, pursuant to the legal authority established in the * * Fair Credit Reporting Act ( FCRA ) 605C * *, * * 15 U.S.C. 1681c-2 * *, and * * 12 C.F.R. 1022.142 * *. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assert unequivocally that * * I did not authorize, apply for, or consent to * * any of the accounts, inquiries, or addresses currently appearing on my credit reports. These entries are * * fraudulent, unauthorized, and injurious * *, and must be deleted immediately and without condition. These errors have already caused me demonstrable * * commercial injury * *, emotional distress, and reputational harm. 

-- - # # # * * I. Legal Authority for Immediate Deletion * * You are hereby legally compelled to act under the following : 1. * * 15 U.S.C. 1681c-2 ( FCRA 605C ) * * Mandates that consumer reporting agencies * shall block the reporting of any information * identified by the consumer as resulting from fraud or identity abuse within * * 4 business days * * of receiving notice.

2. * * 12 C.F.R. 1022.142 * * Establishes enforcement mechanisms for identity-theft and coercion-based claims and prevents reinsertion of deleted data without certified verification and notice.

3. * * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) * * Prohibits reinsertion of any deleted item unless reverified and notice is given to the consumer.

4. * * 15 U.S.C. 1681b * * Prohibits use of or inquiry into a credit report without permissible purpose or consumer consent. Each hard/soft inquiry listed violates this section.

5. * * 15 U.S.C. 1681e ( b ) * * Requires that all data reported must be of * maximum possible accuracy *. None of the reported data meets this standard. 

-- - # # # * * II. Personal Information to Be Deleted Immediately * * The following * * names * * are not mine and must be removed from all records : 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 To Whom It May Concern : I am issuing this final administrative demand for the complete and permanent deletion of all inaccurate and harmful information associated with my credit profile under the full authority of FCRA Section 605C, 15 U.S.C. 1681c-2, and 12 C.F.R. 1022.142. 

The following issues have caused injury, confusion, and economic harm : 1. Inaccurate Names to Be Removed Only XXXX XXXX XXXX is valid. All other name variants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed. 

2. Inaccurate and Excessive Addresses to Be Removed Only the following address is correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All other addresses listed below must be permanently deleted : 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 All Hard Inquiries to Be Deleted Immediately Including but not limited to : 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 Experian These were either unauthorized, unverified, or not supported by lawful consumer-initiated transactions. 

4. Deletion of All Adverse Account Entries The following account is disputed under coercion, false representation, and lack of verifiable authorization : Account Name Partial Account Number Balance Remarks XXXX XXXX XXXX XXXX XXXX XXXX  ; must be deleted immediately All other closed, charged-off, or active negative accounts must be permanently deleted in accordance with my rights under FCRA. 

Legal Authority for Enforcement 15 U.S.C. 1681c-2 : Requires deletion upon consumer request when adverse data is linked to unlawful practices, coercion, or inaccurate reporting.

12 C.F.R. 1022.142 : Mandates compliance and prohibits reinsertion without full lawful certification.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted items without explicit certification and notice. 

Final Demand You are hereby required to delete the above-listed names, addresses, inquiries, and accounts within four ( 4 ) business days of receipt of this notice.

Failure to comply will result in immediate escalation to : Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), Civil litigation for statutory and punitive damages under FCRA.

# # # * * VI. Demand for Confirmation * * Please provide a written confirmation of : * Permanent deletion of all named accounts and inquiries * Removal of all false names and outdated/unauthorized addresses * Blocking of future reinsertion unless full re-certification occurs * An updated credit report reflecting said deletions -- - # # # * * VII. Attached Supporting Materials * * * Government-issued ID * Proof of Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXredit Report * Prior Dispute Letter / Complaint Reference ( if applicable ) -- - # # # * * Conclusion * * This is a * * final legal demand * *. If your agency does not remove these items within the timeframe required by law, I will escalate this matter administratively and legally without further notice. 

Thank you for your immediate cooperation. 

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

Company response to consumer: Closed with explanation