Consumer complaint received 2025-11-15 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: KS

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Demand for Permanent Deletion of Inaccurate/Compromised Information Due to Data Breach & FCRA Violations To Whom It May Concern, I am writing to you formally regarding my consumer file maintained by XXXX. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. S 1681 et seq. ) and is tied directly to the recent XXXX  data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy.

The breach in question undermines XXXX XXXX statutory duty under : FCRA S 607 ( b ) Requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

FCRA S 611 ( a ) ( 1 ) ( A ) Mandating that disputes be reinvestigated in good faith and inaccurate information promptly deleted.

FCRA S 605A & S 605B Requiring consumer file protections in instances of suspected compromise, fraud, or identity misuse.

Given that your own breach jeopardized the chain of custody, accuracy, and reliability of the data in my consumer file, any items currently marked as negative, disputed, or unverifiable must be treated as compromised. It is no longer possible for XXXX  to reasonably certify these accounts as " accurate '' under federal law, since your systems have already demonstrated failure in safeguarding consumer data.

Accordingly, I am demanding the immediate and permanent deletion of the following compromised and unverifiable items from my file : XXXX XXXX XXXX Acct # XXXX Debt Buyers Acct XXXX  XXXX XXXX XXXX XXXX XXXX Acct # XXXX Debt Buyers Acct XXXX XXXX  XXXX XXXX XXXX Acct # XXXX Debt Buyers Acct XXXX XXXX  XXXX XXXX XXXX Acct # XXXX Debt Buyers Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX Debt Buyers Acct XXXX XXXX XXXX XXXX XXXX XXXX to delete these items constitutes : 1. Willful noncompliance under FCRA S 616 exposing XXXX  to statutory and punitive damages.

2. Negligent con compliance under FCRA S 617 exposing XXXX  to liability for actual damages.

3. Violation of CROA ( 15 U.S.C. S 1679b ) if deceptive statements are made regarding the security or accuracy of the file.

Demand for Written : Confirmation : You are required to provide me with written confirmation of deletions within 30 days of your receipt of this letter. If you verify instead of delete, I demand a complete description of the reinvestigation methodology and documentary evidence reviewed. Any attempt to validate disputed items through automated e-OSCAR code exchanges will be deemed insufficient.

If this matter is not resolved, I will have no choice but to escalate immediately by filing a formal complaint with the Consumers Financial ProtectionBureau ( CFPB ), my State Attorney General, and pursuing private of action in Federal Court.

I expect full compliance with this demand and offer proof with the attached letter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief