Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute and demand the immediate suppression and permanent DELETION of fraudulent and materially inaccurate data currently being reported on my Equifax credit report. Your continued dissemination of unverifiable information violates my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX data reporting standards, and is a direct result of your failure to maintain reasonable procedures for accuracy and compliance. 

Identity Theft Declaration My personal information was compromised in both the Equifax XXXX XXXX and the XXXX XXXX XXXX, placing me at high risk for identity theft and credit fraud. Under FCRA XXXX ( XXXX U.S.C. XXXX ), I am asserting my rights as a victim of identity theft and demanding that you suppress all fraudulent accounts and inquiries immediately. 

XXXX XXXX Violations You are required to ensure maximum possible accuracy under FCRA XXXX ( b ) and to conduct lawful reinvestigations per XXXX ( a ). In XXXX v. Equifax, XXXX, the court ruled that parroting data from third parties or affiliated secondary agencies does not meet the FCRAs standard for a " reasonable investigation. '' You are prohibited from verifying data through affiliated or secondary databases that you own or control. 

Disputed Accounts & Collections XXXX. XXXX  - XXXX Account fully paid and closed ; falsely reporting as derogatory Violates FCRA XXXX ( b ), XXXX ( b ), and XXXX XXXX XXXX guidelines XXXX non-compliance : FCRA XXXX Compromised via Equifax breach XXXX : Permanent DELETION XXXX. XXXX  - XXXX Fraudulent collection account No proof of liability or permissible purpose ( FCRA XXXX, FDCPA XXXX ) Data breach involvement raises validity concerns DEMAND : Permanent DELETION XXXX. XXXX  - XXXX Fraudulent and unauthorized collection No signed agreement or verifiable documentation Breach of FCRA XXXX, XXXX ( b ), and FDCPA XXXX DEMAND : Permanent DELETION XXXX. XXXX  XXXX  - XXXX Misreported as charge-off without verified debt Violates XXXX XXXX XXXX misrepresenting payment status and balance Repeated failure to reinvestigate violates FCRA XXXX ( a ), XXXX Data compromised via Equifax breach XXXX : Permanent DELETION Personal Information to Be Corrected Incorrect Current Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, NJ XXXX DEMAND : Update or DELETE as inaccurate Supporting Evidence Enclosed FTC Identity Theft Report Copy of Government-Issued ID and SSN Proof of Address ( Utility Bill / Bank Statement ) Evidence of Equifax XXXX Breach Exposure XXXX XXXX XXXX Final Notice Per FCRA XXXX, you must block fraudulent data within XXXX business days of receiving this request. You are also required under FCRA XXXX ( a ) ( XXXX ) to disclose your Method of Verification ( MOV ) for any data you refuse to suppress, including : Name and contact info of the furnisher Exact procedure used to verify Direct point of contact for dispute handling Failure to comply within XXXX  days will be treated as willful non-compliance, opening Equifax to liability under XXXX and XXXX. 

My Demands Suppress and DELETE all fraudulent/inaccurate accounts within XXXX business days Send written confirmation of account deletion and personal information correction Provide Method of Verification if you refuse suppression Respond to this letter in writing to the address above If you do not fulfill these demands, I will escalate this complaint to the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and pursue legal remedies for XXXX  caused. 

I will not tolerate continued violation of my consumer rights. Handle this matter immediately.

Company response to consumer: Closed with non-monetary relief