Consumer complaint received 2025-03-04 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: SD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, South Dakota XXXX XXXX XXXXXXXX  Subject : Formal Demand for Deletion of Charge-Off Account Violation of Federal Law Dear Credit Bureau , I am formally disputing the reporting of a charge-off account from XXXX  XXXX with account number XXXX, XXXXXXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX XXXX with account number XXXX, XXXX XXXX account number XXXX, on my consumer credit file. The continued reporting of this account violates my federal consumer protection and privacy rights under 15 U.S.C. 6802, 15 U.S.C. 1681b, and 18 U.S.C. 1028A. 

Your agency and the data furnisher have no permissible purpose or legal justification for reporting this charge-off account without my explicit consent. If this matter is not rectified immediately, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action. 
Legal Basis for Deletion : 1. Violation of 15 U.S.C. 6802 Privacy of Consumer Financial Information o Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to obtain consumer consent before sharing nonpublic personal financial information with third parties. 
o I never provided consent for my personal financial data, including this charge-off, to be shared with consumer reporting agencies. 
o Your agency must provide documented proof that I granted explicit consent, or this charge-off must be deleted immediately. 

2. Violation of 15 U.S.C. 1681b No Permissible Purpose o Consumer reports may only be accessed or furnished under specific conditions, such as a legitimate transaction initiated by the consumer. 
o I never authorized [ Creditor Name ] or [ Credit Bureau Name ] to report, share, or maintain this charge-off account on my credit file. 
o Relevant Case Law : XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX  ) ) A consumer report can not be used without a firm offer of credit or another valid permissible purpose. 

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft o The unauthorized use of my personal identifying information, including my Social Security number, for the purpose of reporting negative information without my consent could constitute identity theft. 
o If your agency or the creditor can not provide a legally binding contract with my wet signature authorizing this accounts reporting, your actions may fall under criminal misconduct. 
o I will not hesitate to file a complaint with the Federal Trade Commission ( FTC ) and local law enforcement for improper use of my personal identifying information. 

Formal Request for Immediate Deletion : Under my rights granted by the FCRA, GLBA, and federal identity theft statutes, I demand the immediate deletion of this charge-off account. If you are unable to provide tangible, verifiable proof that I consented to this accounts reporting, you are legally obligated to remove it. 

Please provide written confirmation of your findings and actions within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to comply may result in : A formal complaint to the CFPB, FTC, and Attorney Generals Office A lawsuit for damages under FCRA noncompliance Potential legal consequences under 18 U.S.C. 1028A for identity theft violations This letter serves as a final notice before legal action. I expect your prompt response and full compliance with federal law. Please forward all correspondence to my address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief