Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : IMMEDIATE REMOVAL OF UNAUTHORIZED SECURITY BLOCK/FRAUD ALERT LEGAL NOTICE To Whom It May Concern : This letter is a formal and urgent legal demand to immediately and permanently remove any and all fraud alerts, freezes, security blocks, or access restrictions placed on my credit file with Equifax.

Despite having submitted all required documentation previously, and Equifax lifting the block to allow XXXX XXXX and an auto finance company to successfully access my credit report, the block or alert was never authorized, nor was it to be reimposed under any circumstances. I was not notified of any reinstatement of a block, and I did not request one. 

On XX/XX/XXXX, I submitted a dispute letter, and more than sufficient documentation, including my government-issued identification, to support my position. Your representatives claim that only a dispute letter was received is false and negligent. 

This unauthorized action is currently preventing me from obtaining a mortgage pre-approval during an emergency housing situation. This delay is causing irreparable harm to me and my family. 



VIOLATIONS OF FEDERAL LAW You are in direct violation of several federal statutes, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate disputes and correct inaccuracies within 30 days.

1681c-1 & 1681c-2 : Placement and removal of fraud alerts and blocks must follow proper consumer authorization and procedure.

1681e ( b ) : Duty to ensure maximum possible accuracy of the information.

2. Fair and Accurate Credit Transactions Act ( FACTA ) Amendment to FCRA You are required to maintain fair procedures and not impose unnecessary restrictions without proper consumer authorization.

DAMAGES & LIABILITY Your unlawful delay and negligent reinstatement of the block or alertwithout consenthas resulted in the denial of timely credit access, disruption of my mortgage application, and emotional distress during a housing crisis. I hereby demand compensation for : Pain and suffering : {$10000.00} Loss of housing opportunity and credit delay : {$25000.00} Legal violation penalties ( per FCRA ) : Up to {$1000.00} per violation plus punitive damages Total immediate demand for settlement : {$36000.00} DEMAND FOR ACTION 1. Immediately and permanently remove all blocks, freezes, fraud alerts, or any restrictions placed on my Equifax credit file.

2. Mail a written confirmation to the above address and email within 5 business days.

3. Include a check in the amount of {$36000.00} to settle the damages caused by this unauthorized action.

If I do not receive confirmation of removal and compensation within 10 days, I will pursue legal action and file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The New York State Attorney Generals Office A civil lawsuit for damages, attorneys fees, and punitive awards. 

This situation is a state of emergency. I expect immediate resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation