Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
FEDERAL TRADE COMMISSION REPORT & DEMAND FOR ACTION Filed Under 15 U.S. Code 1681c-2 Block of Information Resulting from Identity Theft Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX To : Federal Trade Commission XXXX FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX : Identity Theft & Unauthorized Credit Access XXXX, Equifax, and XXXX  I XXXX XXXX XXXX XXXX XXXX XXXX reporting willful identity theft and unauthorized credit access committed by the following consumer reporting agencies : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

Equifax Information Services, XXXX XXXX XXXX These entities have unlawfully obtained, shared, and monetized access to my personal credit file without my knowledge, consent, or legal authorizationa direct violation of federal consumer protection law and my rights under 15 U.S. Code 1681c2.

II. LEGAL BASIS : 15 U.S.C. 1681c-2 Under 15 U.S.C. 1681c-2, a consumer reporting agency must block the reporting of any information that is the result of identity theft, within four business days, upon receipt of : Proof of identity ; A copy of an identity theft report ; Identification of the fraudulent information ; A sworn statement by the consumer. 

Despite providing such documentation, the agencies have failed to block or remove numerous fraudulent accounts listed on my credit profile.

III. ACT OF IDENTITY THEFT I assert that the following actions taken by XXXX, Equifax, and XXXX  constitute identity theft and misappropriation of my personal identifying information : Obtaining and distributing my consumer report without verified permissible purpose ; Failing to validate or confirm the origin of the accounts in question ; Selling my personal credit data for profit through unauthorized inquiries and portfolio access ; Continuing to report inaccurate and fraudulent tradelines despite legal notice. 

These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), and constitute willful negligence, fraud, and misrepresentation under federal law. 

IV. DEMAND FOR RELIEF & COMPLIANCE Pursuant to 15 U.S.C. 1681c-2 and the Fair Credit Reporting Act, I demand the following : Immediate and permanent removal of all unverified, fraudulent, or unauthorized accounts from my credit file across all three bureaus ; Written confirmation of the removal within 15 business days from the date of this notice ; A block on the re-reporting or reinsertion of said accounts without complete revalidation and proof of contractual consent bearing my wet signature. 

V. NOTICE OF PENALTY FOR NON-COMPLIANCE Failure to comply with this demand will be deemed a knowing and willful violation of federal law, subject to : Statutory damages up to {$1000.00} per violation ( FCRA, 15 U.S.C. 1681n ) ; Punitive damages for willful misconduct ; Civil penalties under 15 U.S.C. 1681s ; Federal lawsuit filed in U.S. District Court with demand for injunctive relief and compensatory damages no less than {$50000.00} for emotional distress, loss of opportunity, and financial injury. 

VI. ATTACHED DOCUMENTATION The following supporting documents are available upon request and will be provided in my formal FTC complaint : Copy of government-issued ID Proof of address Identity Theft Affidavit ( FTC Standard or Police Report ) List of disputed accounts with associated credit reporting agencies

Company response to consumer: Closed with explanation