Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
Subject : Formal Dispute of Personal Data & Request for Investigation and Deletion Pursuant to FCRA ( 15 U.S.C. 1681 et seq. ), 609 To Whom It May Concern, I am submitting this letter as a formal consumer dispute and privacy demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning personal data you maintain, disseminate, and share in your consumer reporting systems and affiliated databases. I am asserting both the right to accuracy and the right to data security in light of XXXX XXXX XXXX ' known breach of sensitive consumer information. 

I. Background : Publicly Reported Data Breach of XXXX On or around XX/XX/XXXX, XXXX experienced a data breach involving unauthorized access to consumer records including Social Security numbers, drivers license numbers, dates of birth, and contact information. This breach was reported publicly in a filing with the Maine Attorney Generals Office and widely covered by reputable sources including XXXX and XXXX XXXX  Critically, the breach was not disclosed until XX/XX/XXXX, over three months after the exposure a delay that created prolonged risk to affected consumers like myself. 
As a consumer whose data is likely retained and sold by XXXX across its various information products, I have strong reason to believe that my personally identifiable information ( PII ) was among the compromised records.

II. Legal Grounds for Challenge and Demands 1. Failure to Maintain Reasonable Procedures FCRA 1681e ( b ) Under the FCRA, XXXX is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A breach of this magnitude constitutes prima facie evidence of procedural failure in both data integrity and consumer protection. 
DEMAND : I dispute the accuracy and legitimacy of any XXXX report, file, or third-party data product that includes or references my information. I am demanding the deletion of all data that can not be affirmatively verified for origin, accuracy, chain of custody, and post-breach security compliance.

2. Consumer File Disclosure FCRA 1681g ( a ) ( 1 ) and ( a ) ( 2 ) I hereby exercise my right to request a complete consumer file disclosure under 15 U.S.C. 1681g. This includes : A full copy of all data XXXX has on file related to me The names of all persons and entities to whom my data has been furnished The sources and categories of information A description of any codes, acronyms, or proprietary data tags used A disclosure of whether any of my personal information was part of the reported breach DEMAND : You are required by law to provide this information in a clear and understandable format within 30 days of receipt of this letter. 

3. Data Security Breach Just Cause for Deletion The delayed breach notification and nature of the exposed data raises significant concerns about XXXX ability to safeguard consumer information. If any data attributed to me was accessed unlawfully or its source can not be independently verified, it is no longer permissible under FCRA or FTC data handling standards.

4. Requirements under 609 ( FCRA ) DEMAND : I demand immediate deletion of any such unverifiable, outdated, or compromised data, and request that XXXX permanently block this information from being included in future consumer reports or sold through third-party partnerships.

III. Notice of Enforcement Rights If I do not receive a timely and satisfactory response from XXXX XXXX XXXX, I am prepared to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit a data complaint to the Federal Trade Commission ( FTC ) Explore private rights of action under FCRA 1681n and 1681o for negligent or willful noncompliance Please note this is a documented FCRA dispute and must be handled in full compliance with all consumer protection obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation