Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 2025 EXPERIAN, EQUIFAX, TRANSUNION SECOND ROUND DISPUTE OF INACCURATE PERSONAL INFORMATION Compliance/Privacy Department Re : Formal Demand for Immediate Deletion of Inaccurate/Unverifiable Personal Information Metro 2 / FCRA / Data Breach Liability To Whom It May Concern : I write to demand the immediate deletion of inaccurate, misleading, and unverifiable personal information currently reported on my credit file. This information fails to comply with Metro 2 reporting standards and violates the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 607 ( b ) and 611 ( a ), which require the maximum possible accuracy of reported data and prompt correction or deletion of disputed information.

THE ONLY PERSONAL INFORMATION THAT SHOULD APPEAR ON MY CREDIT PROFILE IS AS FOLLOWS ( ALL OTHER INFORMATION IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY ) : NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other addresses, phone numbers, employers, accounts, public records, or identifiers appearing on my credit file are fraudulent, inaccurate, or unverifiable and must be deleted. 

I further notify you that I have been affected by a data breach ( or exposure ) that places my personal data at heightened risk of misuse. Given this exposure, your continued reporting of unverifiable or inaccurate personal data is particularly negligent and harmful. You will be held fully liable for continued reporting of inaccurate or unverified items that arise from or are exacerbated by this breach. 

DEMANDS AND REQUIRED ACTIONS : Conduct a XXXX XXXX investigation into each disputed item and obtain full source documentation from the furnisher ( s ).

Immediately delete any information that can not be fully verified and substantiated in strict accordance with Metro 2 reporting standards and the FCRA.

Provide written confirmation of deletion and a copy of my updated credit report reflecting these changes.

Provide the identity of the furnisher ( s ) who reported each disputed item and copies of the documentation they relied upon to report the item.

LEGAL NOTICE LIABILITY AND DAMAGES : If you fail to delete unverifiable or inaccurate information, I will pursue all available statutory and equitable remedies. This includes complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state Attorney General, and immediate private legal action under the FCRA. Under 15 U.S.C. 1681n, consumers are entitled to recover actual damages or statutory damages ( not less than {$100.00} and not more than {$1000.00} per plaintiff, per defendant ) for willful noncompliance, plus punitive damages, costs, and reasonable attorneys fees. I will seek all available damages and remedies for each violation and each reporting cycle that inaccurate information remains on my file.

This letter is your final and formal demand for compliance. You must take corrective action and respond in writing within 30 days of your receipt of this notice. If you can not fully verify each disputed item with admissible source documentation that complies with Metro 2 standards, you must delete the item immediately.

Provide your written response and proof of deletion to my address above and via email to [ XXXX. I am preserving all rights and remedies available to me under federal and state law and will document any further reporting of these items for regulatory complaints and litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation