Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
ubject : FINAL NOTICE Identity Theft Report & Legal Demand for Immediate Deletion of Fraudulent Account FTC Identity Theft Report No. : XXXX Account in Dispute : XXXX XXXX XXXXXXXX XXXX # : XXXX * * * * To Whom It May Concern : This letter serves as a formal identity theft dispute and a final legal demand for the permanent deletion of a fraudulent account currently being reported on my Equifax credit file. I am a verified victim of identity theft, as confirmed in the attached Federal Trade Commission ( FTC ) Identity Theft Report No. XXXX, dated XX/XX/XXXX. This documentation meets all requirements under the Fair Credit Reporting Act ( FCRA ) 605B and mandates the immediate blocking of fraudulent data from my consumer report. FRAUDULENT ACCOUNT TO BE REMOVED : Creditor : XXXX XXXX XXXX Partial Account # : XXXX * * * * Balance : {$10000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Late 120 Days Collection Derogatory Original Creditor Type : Factoring Company Dispute Status : Account disputed Appears only on : Equifax and Experian ( Not on TransUnion ) I never authorized this account, never applied for credit with XXXX or the original creditor, and I have never received any legally sufficient validation of debt. Reporting this account violates not only federal consumer protection laws but also my fundamental rights to privacy and due process. VIOLATIONS OF FEDERAL LAW : FCRA 605B ( 15 U.S.C. 1681c2 ) Identity Theft Blocking You must block identity theft-related information within XXXX ( XXXX ) business days of receiving a proper FTC report and supporting documentation. You are now in breach of that deadline. FCRA 616 ( 15 U.S.C. 1681n ) Willful Noncompliance You have continued reporting disputed and unverified data after notice, exposing Equifax to statutory and punitive damages. FCRA 617 ( 15 U.S.C. 1681o ) Negligent Noncompliance Even without willful intent, your failure to act is a negligent violation of my rights. FCRA 611 ( 15 U.S.C. 1681i ) Failure to Reinvestigate Your credit file lists this account as disputed, yet it continues to be reported with derogatory status. This indicates a failure to conduct a reasonable reinvestigation. FCRA 604 & 607 ( 15 U.S.C. 1681b ( f ) & 1681e ) Impermissible Access & Inaccurate Reporting Sharing and reporting my non-public personal information without permissible purpose or proper verification is a violation of both access and accuracy provisions. FINAL LEGAL DEMAND : You are hereby instructed to : Immediately and permanently delete the above-referenced NCB account from my credit report Provide written confirmation of deletion within XXXX ( XXXX ) calendar days of receipt of this letter and enclosed documentation Failure to comply will result in : A federal civil action under FCRA 605B, 611, 616, 617, and 604 Demands for actual and punitive damages, legal fees, and injunctive relief Filing of formal complaints with the, FTC, and the Texas Attorney General I urge Equifax to comply with the law and protect my rights as a consumer. This is your final notice.

Company response to consumer: Closed with explanation