Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Via Certified Mail Return Receipt Requested Date : XX/XX/XXXX To : ( Credit Reporting Agencies ) : Experian Information Solutions XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Cc ( Additional Furnishers on Notice ) : XXXX XXXX XXXX, XXXX Account No : XXXX P.O. XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXXXXXX XXXX Services Account No : XXXX P.O. XXXX XXXX, XXXX XXXX, IA XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account No : XXXX P.O. XXXX XXXX, XXXX XXXX, NY XXXX XXXX Funding, XXXX Account No : XXXX P.O. XXXX XXXX, XXXX, SC XXXX XXXX XXXX Account No : XXXX P.O. XXXX XXXX, XXXX, PA XXXX NOTICE OF INTENT TO FILE SUIT IN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Experian, Equifax, and TransUnion, This correspondence serves as formal legal notice and dispute that I am proceeding with a federal lawsuit against the above-named furnishers and credit reporting agencies for statutory violations, willful misconduct, and continued harassment in violation of federal consumer protection laws. 

I am seeking damages in the amount of {$500000.00} for your unlawful actions, including but not limited to : Violation of Cease and Desist XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX continued to communicate and/or report adverse information despite my written Cease and Desist notice ( see Exhibit A ), in violation of 15 U.S.C. 1692c ( FDCPA Ceasing Communication ). 

Failure to Maintain Accurate Reporting Experian, Equifax, and TransUnion have willfully continued to report inaccurate, incomplete, and unverified information concerning : XXXXXXXX XXXX XXXX No. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX This violates 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). 

Additional Statutory Violations including but not limited to : 20 U.S.C. 1234e Prohibiting unlawful enforcement practices.

15 U.S.C. 78u-3 SEC enforcement and cease-and-desist powers.

12 C.F.R. 1209.5 Prohibition on unsafe or unsound practices.

15 U.S.C. 77h Registration and compliance obligations.

15 U.S.C. 6802 ( GLBA ) Prohibition on unauthorized sharing of private financial information. 

Notice of Lawsuit & Claim for Damages Be advised that I am in the process of filing ( or have filed ) a complaint in the United States District Court for the Northern District of Georgia against all named parties.

The complaint seeks : Statutory damages under FDCPA and FCRA. 

Actual damages for credit denials, housing denials, reputational harm, and emotional distress. 

Punitive damages for reckless and willful disregard of my federally protected rights. 

Demand for Immediate Action To mitigate liability, each party must : Furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Immediately cease unlawful communications and provide full validation of each alleged account, including signed contracts, complete payment history, charge-off details, and proof of ownership/assignment. 

CRAs ( Experian, Equifax, TransUnion ) : Delete or correct all inaccurate/disputed reporting for the above accounts and provide written confirmation within XXXX business days. 

All Parties : Provide a full XXXX XXXX of every entity that has furnished, accessed, or shared my consumer data. 

Reservation of Rights Enclosed please find Exhibit A Proof of Cease-and-Desist Notice previously sent. This letter does not waive any of my rights. All remedies under federal and state law are expressly reserved. 

Failure to comply will result in the federal lawsuit proceeding against all named parties without further notice. 

Respectfully, ____________________________ XXXX ( XXXX ) XXXX Enclosure : Exhibit A Copy of Cease-and-Desist Notice

Company response to consumer: Closed with non-monetary relief