Consumer complaint received 2025-08-15 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:
I demanded the immediate removal, blocking, and permanent suppression of all inaccurate, unverifiable, and unauthorized accounts, tradelines, and inquiries including fraudulent addresses and name variations within 4 business days pursuant to 15 U.S.C. 1681c-2 ( a ). I also requested written confirmation of deletions and blocking actions, along with the names and contact details of any furnishers contacted. I further demanded cessation of all unauthorized sale, distribution, or sharing of my personal data under FACTA 112 and the GLBA Safeguards Rule. I am the victim of identity theft and have been impacted by multiple documented data breaches, including those involving major consumer reporting agencies ( Equifax, Experian, TransUnion ) and XXXX XXXX XXXX. My personally identifiable information ( PII ) including my Social Security number, date of birth, and address history has been stolen, sold, and used without my authorization to open fraudulent accounts, inquiries, and tradelines in my name. 

Despite submitting formal written disputes with supporting identity theft documentation under 15 U.S.C. 1681c-2 ( a ), the credit reporting agencies have : Verified disputed items without providing the required method of verification as mandated by 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ).

Failed to block identity theft information within the 4 business days required by law. 

Continued to report inaccurate, unverifiable, and unauthorized accounts in violation of 1681e ( b ) ( failure to assure maximum possible accuracy ).

Permitted inquiries without permissible purpose, violating 1681b ( f ).

Continued the sale and distribution of my personal data in violation of the GrammLeachBliley Act Safeguards Rule ( 15 U.S.C. 68016809 ) and FACTA 112.

I specifically demanded : The blocking and permanent deletion of all fraudulent accounts, tradelines, and inquiries. 

The removal of all obsolete addresses and incorrect name variations. 

Written confirmation of all deletions, including the names and contact information of furnishers contacted during the reinvestigation. 

An immediate cease-and-desist of unauthorized sale, sharing, or distribution of my personal data. 

Instead, the agencies continue to report false and harmful data damaging my creditworthiness, causing denials of legitimate credit applications, creating emotional distress, and increasing the risk of ongoing fraud. 

These actions ( and inactions ) are willful violations under 15 U.S.C. 1681n, and I am requesting the CFPBs immediate enforcement to compel full compliance, removal, and blocking of all fraudulent data. My attached dispute packet contains all supporting documentation, including my government ID, proof of address, FTC Identity Theft Report, highlighted credit report excerpts, and data breach notifications. 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 CC : CFPB, FTC, IdentityTheft.gov I am the victim of identity theft and multiple confirmed data breaches involving Equifax, Experian, TransUnion, and XXXX. My personal identifying information ( PII ) including SSN, DOB, and address history has been used without my consent to open fraudulent accounts, generate impermissible credit inquiries, and report false tradelines. Despite prior disputes, the CRAs have verified items without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), violating their duty to conduct a reasonable reinvestigation under 1681i ( a ) and to assure maximum possible accuracy under 1681e ( b ). They have also failed to block identity theft information within 4 business days as mandated by 1681c-2 ( a ).

Key violations include : Reporting accounts and inquiries without permissible purpose ( 1681b ( f ) ).

Retaining obsolete addresses and name variations unrelated to me.

Continuing to sell and distribute my personal data in violation of the GLBA Safeguards Rule ( 15 U.S.C. 68016809 ) and FACTA 112.

Willful noncompliance under 1681n, entitling me to statutory, actual, and punitive damages.

Immediate action demanded within 4 business days : 1.

Permanently delete all fraudulent accounts, tradelines, and inquiries listed in my attached packet.

2.

Remove all inaccurate addresses and name variations.

3.

Cease all further sale, sharing, or dissemination of my PII without my written consent.

4.

Provide written confirmation of deletions and blocking actions, with full furnisher contact details.

Failure to comply will result in immediate escalation to the CFPB, FTC, State AG, and a civil action in U.S. District Court.

FINAL LEGAL DEMAND FOR IMMEDIATE DELETION & PERMANENT BLOCKING OF FRAUDULENT DATA RE : Identity Theft, Willful FCRA Violations, and Federal Privacy Breaches This is a formal, final demand under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), GrammLeachBliley Act ( GLBA ), and 18 U.S.C. 1028 for immediate removal of all unverified, unauthorized, and fraudulent information from my consumer file ( s ). 
I am the victim of identity theft and have been impacted by multiple confirmed data breaches including breaches involving Experian, Equifax, TransUnion, and XXXX XXXX XXXX. My personal identifying information ( PII ) including my Social Security number, date of birth, and address history has been stolen, sold, and misused without my consent. 
You are in receipt of my FTC Identity Theft Report, government-issued ID, proof of address, and highlighted credit reports identifying all fraudulent accounts, inquiries, and addresses. 
STATUTORY VIOLATIONS IDENTIFIED Your continued reporting of this fraudulent information constitutes willful and negligent violations of federal law, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a lawful and reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) & 1681i ( a ) ( 7 ) Failure to provide a complete method of verification upon request.

15 U.S.C. 1681c-2 ( a ) Mandatory blocking of identity theft information within 4 business days of receipt of proper documentation.

15 U.S.C. 1681b ( f ) Prohibition on furnishing reports without permissible purpose.

FACTA 112 Obligation to prevent reappearance of fraudulent information.

GLBA 15 U.S.C. 68016809 Failure to protect sensitive PII ( Safeguards Rule ).

18 U.S.C. 1028 Trafficking in stolen identity information.

MANDATORY ACTIONS REQUIRED 4 BUSINESS DAYS XXXX. 
Permanently delete and block all fraudulent accounts, tradelines, and inquiries identified in my enclosed dispute packet. 
XXXX. 
Suppress and delete all obsolete addresses and name variations not tied to my verified history my only correct legal name is XXXX XXXX XXXX. 
XXXX. 
Cease and desist from selling, sharing, or otherwise distributing my consumer file or PII without my express written consent. 
XXXX. 
Provide a written deletion confirmation and the name, address, and phone number of each furnisher you contacted during the reinvestigation. 
NONCOMPLIANCE CONSEQUENCES Failure to comply within XXXX business days of receipt will constitute willful noncompliance under 15 U.S.C. 1681n, entitling me to : Statutory damages of {$1000.00} per violation Actual damages including financial losses and emotional distress Punitive damages Attorneys fees and court costs I will immediately file formal complaints with the CFPB, FTC, State Attorney Generals Office, and initiate a federal civil action in U.S. District Court for the maximum damages allowable by law. 
Enclosures : Government-issued ID Proof of current address FTC Identity Theft Report Highlighted credit report excerpts showing disputed items Proof of data breach notifications Summary of Incident I am the victim of identity theft and a documented participant in multiple data breaches, including those involving major consumer reporting agencies ( Equifax, Experian, and TransUnion ) and XXXX XXXX XXXX XXXX My personal identifying information ( PII ) including my Social Security number, date of birth, and address history has been illegally obtained and used to open fraudulent accounts, inquiries, and other unauthorized financial transactions in my name without my consent. 
Fraudulent Accounts and Inquiries I did not authorize or open any of the accounts, inquiries, or tradelines listed in my attached supporting documents. These include, but are not limited to : unauthorized credit cards, fraudulent auto loans, unauthorized mortgages, collections accounts from unknown entities, and credit inquiries without permissible purpose under 15 U.S.C. 1681b ( f ).

Addresses & Name Variations to Remove My only correct legal name is : XXXX XXXX XXXX. Remove all name variations. 
Remove the following addresses ( none are mine ) : 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 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 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  Impact of the Fraud These fraudulent activities have caused severe harm to my financial standing and creditworthiness, including lowered credit scores, denials of legitimate credit applications, emotional distress, reputational harm, and increased risk of further fraud due to continued unauthorized data sharing. 
Legal Violations Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681c-2 ( a ) Obligation to block identity theft information within 4 business days.

15 U.S.C. 1681b ( f ) Prohibition on furnishing consumer reports without permissible purpose. 
Fair and Accurate Credit Transactions Act ( FACTA ) 112 Duty to block fraudulent information and prevent further reporting.

GrammLeachBliley Act ( GLBA ) 15 U.S.C. XXXX Safeguards Rule violations for failure to protect PII. 
18 U.S.C. 1028 Identity Theft and Aggravated Identity Theft.

Action Requested I demand the following actions be taken immediately : 1 ) Block and permanently delete all fraudulent accounts, tradelines, and inquiries from my credit filewithin 4 business days as required by 15 U.S.C. 1681c-2 ( a ).

2 ) Suppress all obsolete addresses and name variations not directly linked to my verified residencehistory. My only correct name is XXXX XXXX XXXX ; remove all variations. 
XXXX ) Cease and desist all further sale, sharing, or distribution of my personal data without my expresswritten consent. 
XXXX ) Provide written confirmation of deletions and blocking actions, including the names and contactinformation of any furnishers contacted during the reinvestigation. 
I drafted this statement myself. No credit repair company or third party assisted me. I affirm under penalty of perjury that the above is true and correct. 
Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation