Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
This is an official legal notice and formal demand that you immediately DELETE the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and were added to my file without my authorization. I have already provided notice that I am a victim of identity theft and a confirmed participant in the Equifax data breach, where my personal identifying information was compromised and used without my consent. You have XXXX documented proof of any contractual relationship between me and the original creditors tied to these collection accounts. 

You are now in violation of multiple consumer protection laws for your continued reporting of this inaccurate and unverifiable information : FCRA XXXX / XXXX USC XXXX ( a ) : Requires credit reporting agencies to BLOCK and REMOVE any items resulting from identity theft within XXXX business days of receiving appropriate documentation and request. You have failed to comply. 

FCRA XXXX : You are reporting and distributing my private data without a permissible purpose, as I never gave consent for these accounts to be created or collected. 

FCRA XXXX ( b ) : You are required to maintain procedures to assure maximum possible accuracy. These accounts are inaccurate and incomplete. 

FCRA XXXX ( a ) ( XXXX ) : Upon my written request, you must provide the method of verification, including the name, address, and phone number of the furnisher and the individual you verified the account with. This must be sent to me within 15 days. You have failed to do so. 

FCRA XXXX and XXXX : You are now subject to civil liability for both negligent and willful noncompliance with the FCRA. 

FDCPA XXXX ( a ) / XXXX USC XXXX : Debt collectors are required to provide proof of the debt and cease collection during disputes. You have failed to produce any legal documentation supporting these claims. 

Additionally, these accounts appear to have been previously removed from my credit report and illegally reinserted without the mandatory XXXX reinsertion notice, violating FCRA XXXX ( a ) ( XXXX ) ( B ) ( ii ). I have not received any communication notifying me of these reinsertion events, which makes your actions unlawful. 

Let me be clear : These accounts must be immediately and permanently DELETED. 
I demand the following information for each of the above accounts, within XXXX  days of receipt of this letter : The full name, mailing address, and phone number of the original creditor. 

The name and job title of the person who verified this debt with your company. 

The method of verification used during reinvestigation. 

Copies of all documents you received or relied on that prove I am legally liable for these debts. 

Documentation of your internal procedures used to ensure that all data reported is 100 % accurate and XXXX XXXX compliant. 

Proof that I was notified within XXXX business days if any item was reinserted after removal. 

Failure to comply will result in IMMEDIATE legal action. 

You are now on notice that continued reporting of these invalid, unverifiable, and unauthorized accounts will be considered willful negligence and malicious intent to harm me, the consumer. 

If you can not validate with 100 % legal accuracy, you are required by law to DELETE these accounts. If you refuse to comply, I will move forward with : Filing a formal CFPB and FTC complaint Reporting your noncompliance to my State Attorney General Filing a civil lawsuit for all damages resulting from your violations, including {$1000.00} per violation under the FCRA I expect written confirmation of deletion and an updated copy of my consumer report within XXXX calendar days. No further delay will be tolerated.

Company response to consumer: Closed with explanation