Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX XXXXXXXX XXXX FederalTradeCommission XXXX ActingComptrolleroftheCurrency Subject : UnconditionalDemandforImmediate, CompleteDeletionofFraudulentAccountsfromAllCreditReportsFederalStatutoryViolations, LegalPenalties, XXXX, XXXX in XXXX, XXXX, XXXX, and the XXXX XXXX To the PrivacyCompliance Departments and all responsible parties for the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a firm and irrevocable demand for the immediate, permanent deletion and complete removal of all information concerning the abovereferenced fraudulent accounts from my credit reports with XXXX, Equifax, and XXXX. The continued presence of these accountsdespite clear documentation proving they originated from identity theft ( FTCIdentityTheftReportNumberXXXX  ) violates multiple federal statutes, binding case law, and core principles of XXXX, XXXX, XXXX, and the XXXX. This communication leaves no room for negotiation. These doctrines universally condemn the perpetuation of falsehoods, demand immediate remedy for unjust harm, and establish the obligation of truth and integrity in all dealings. Each section herein presents exhaustive statutory citations, caselaw support, and doctrinal analysis to justify immediate deletion. 

Federal Violations under the Fair Credit Reporting Act ( FCRA ) a. MaximumPossibleAccuracy Requirement15U.S.C.1681e ( b ) Penalty : $ XXXX. 
Violations by the XXXX fraudulent accounts listed above : Despite my dispute and FTC identitytheft report, each account remains marked collectible. This refusal to act on clear evidence of fraud constitutes willful misreporting and has inflicted measurable harm on my credit profile. Supporting case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( No one may unlawfully harm the good reputation which a person enjoys ). Statutory penalty calculation : $ XXXX $ XXXX. 

b. Prohibition on Outdated Adverse Information15U.S.C.1681c ( a ) ( 4 ) Penalty : $ 1,000perviolation.

Each account shows conflicting or reaged delinquency dates that extend adverse reporting beyond the sevenyear limit. Supporting case law : XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXXXXXX and XXXX. Statutory penalty calculation : $ XXXX $ XXXX. 

c. Failure to Investigate Disputed Information15U.S.C.1681i Penalty : $ 1,000perviolation. 
No goodfaith investigation followed my dispute for any of these accounts. Supporting case law : XXXX XXXX XXXX XXXX XXXX XXXX mandate : XXXX ( right to defend ones good name ). Statutory penalty calculation : $ XXXX $ XXXX. 

d. Knowingly Reporting False Information15U.S.C.1681s2 ( a ) Penalty : $ 1,000perviolation. 
All XXXX accounts continue to be reported after receipt of incontrovertible evidence of fraud. Supporting case law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statutory penalty calculation : $ XXXX $ XXXX. 

Total FCRA penalty exposure for the XXXX accounts : {$66000.00}. 

Additional Violations under the Truth in Lending Act ( TILA ) Misrepresentation of the fraudulent obligations listed above violates TILAs transparency mandates. XXXX insistence on truth and restitution ( XXXX, XXXX ) reinforces these statutory requirements. 

Final Demand In light of the above federal statutes, enforceable penalties, binding case law, and XXXX doctrines of justice and restitution, I demand the immediate and permanent deletion of all XXXX fraudulent accounts from every consumerreporting database. Noncompliance will result in formal complaints to the FTC, CFPB, OCC, and the Michigan Attorney General, as well as civil litigation seeking monetary damages. Total statutory penalty exposure to date : {$190000.00}. 

I expect written confirmation of deletion within 15days of your receipt of this notice.

Company response to consumer: Closed with non-monetary relief