Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
Identity Theft Notification Legal Demand to Delete Unverified Accounts and Inquiries Under 15 U.S.C. 1681b and 1681c-2 | FTC Identity Theft Report # XXXX on File Dear Equifax Legal Department , This letter serves as a formal legal notice and demand to delete all unauthorized, unverified, or potentially fraudulent accounts and inquiries currently being reported on my Equifax credit file. I have filed an official identity theft report with IdentityTheft.gov ( FTC Report # XXXX ) and submitted formal dispute notices, including my letter dated XX/XX/XXXX, with no valid response or verification received to date. 

I have not granted Equifax or any furnisher permission to report, sell, or distribute my personal data. I have not entered into any agreements for the accounts listed below, and therefore these entries are being maintained without a permissible purpose, in violation of 15 U.S.C. 1681b.

Further, under 15 U.S.C. 1681c-2, Equifax is prohibited from reporting any information that may be the result of identity theft once formal notice has been submitted which this letter and my FTC Report now represent. 

As is widely acknowledged, many furnishers can not provide original applications, contracts, or documents bearing a wet signature because no such documentation exists. These items must be immediately and permanently deleted from my file. 

Disputed Accounts ( Must Be Permanently Deleted ) XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXXXXXX & XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXXXXXX Acct # xxxx # # Unauthorized Hard Inquiries ( Must Be Deleted ) XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX for Immediate Deletion : 15 U.S.C . 1681b You are furnishing/maintaining data with no permissible purpose or consent.

15 U.S.C. 1681c-2 You are legally required to block and delete any data resulting from identity theft.

FTC Identity Theft Report # XXXX Official identity theft notification now on record.

Continued reporting or distribution of any of the above items constitutes willful noncompliance and violation of federal law. 

Required Action : Immediately delete all accounts and inquiries listed above Send written confirmation of deletion within 15 calendar days of receipt of this letter Cease any furnishing, sharing, or reselling of my credit data without documented written authorization Failure to Comply Will Result In : Escalated complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Civil litigation for violations of 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final opportunity to comply with federal law. I expect full deletion and written confirmation within the timeframe provided.

Company response to consumer: Closed with non-monetary relief