Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Phone : XXXX Subject : DEMAND for Immediate Removal of Fraudulent XXXX  and Unauthorized Data Sharing Violations of Federal Consumer Laws Complaint Details : This is a formal demand for the immediate removal of fraudulent XXXX  reporting, public records, and any unauthorized personal and private information from my credit reports. The reporting of this information is a clear violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and Federal Trade Commission ( FTC XXXX consumer protection laws.

1. Fraudulent Bankruptcy Reporting Violation of Consumer Rights I never consented to the reporting of XXXX  on my credit report, and such reporting is fraudulent, deceptive, and violates multiple federal laws. 

Attached is an official letter from the XXXX  XXXX, confirming that the court does not report XXXX  filings to credit bureaus, agencies, or third-party entities. 
This proves that the credit bureaus have obtained and reported this information illegally, in violation of FCRA ( 15 U.S.C. 1681b ), which prohibits the collection and distribution of personal data without consent. 
I am also submitting an FTC XXXX as evidence of fraudulent reporting of a XXXX  that was either fabricated or obtained through illegal data-sharing practices. 
As per the Federal Trade Commission ( FTC ) and Section 605B of the Fair Credit Reporting Act, fraudulent bankruptcies must be removed from my credit report and/or credit file within four ( 4 ) days. 
XXXX. Unauthorized Sharing of My XXXX and XXXX XXXX XXXX and other third-party data brokers have unlawfully collected, stored, and transmitted my personal information without my express permission. 

XXXX confirms that public records, including bankruptcies, are obtained through XXXX, a third-party vendor, not directly from the courts. 
XXXX has no permissible purpose under the FCRA to collect or distribute my private information, and I have never given consent for such data collection. 
Attached is a XXXX XXXX XXXX Consumer Disclosure, proving that XXXX supplies unauthorized data, including public records, to XXXX, Equifax, and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resolution Demanded : To resolve this matter, I demand the following immediate actions : Permanent removal of all public record data, including fraudulent XXXX  notations, from my credit reports due to violations of FCRA, XXXX, and consumer privacy laws. 
XXXX deletion of any personal and private information obtained through XXXX or other unauthorized third-party sources. 
A formal written confirmation from all credit reporting agencies and XXXX confirming that my information has been permanently removed and that no future unauthorized data collection will occur. 
Compensation for financial harm, defamation, and emotional distress caused by this fraudulent reporting, as permitted under FCRA ( 15 U.S.C. 1681n ), which allows for statutory, actual, and punitive damages for willful violations.

Final Warning and Legal Action Failure to comply immediately will result in escalated legal action against all responsible parties. I am prepared to file additional complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), the IRS, and state Attorney General offices for : Fraudulent XXXX  reporting Unauthorized data collection and sharing Violation of federal privacy laws Defamation of character due to false and misleading reporting Financial and emotional damages caused by these violations As per FTC regulations and Section 605B of the Fair Credit Reporting Act ( FCRA ), you are required to remove these fraudulent XXXX  from my credit report and/or credit file within XXXX ( XXXX ) days. 

This matter requires urgent and immediate correction. I expect a full response and resolution within 15 days. 

Attached Evidence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Letter Stating the Court Does Not Report to Credit Bureaus or Third Parties Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief