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: GA

Complaint narrative:
I hope this letter finds you well. I am reaching out to you today regarding a recent credit report that I have received which contains errors. I appreciate your time and effort in investigating and correcting these errors as soon as possible. 

As a concerned individual, I noticed that there are several wrong personal identifiers included in the file, which may pose a risk to my identity. I kindly request that you remove all inaccurate information from your records immediately to avoid any further complications.

Moreover, I want to clarify that my only name is XXXX XXXX, and I do not have any other names or aliases. I urge you to remove all other names from your system that do not match XXXX XXXX. 

In addition, I would like to update my current address in your records to reflect my correct address of XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX. Any other address that you may have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX, should be removed immediately. 

Furthermore, I request that you remove any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about myself that could be potentially outdated or inaccurate. Please ensure that only current and accurate information is included in my credit report. 

I understand that it is mandatory to complete this update within 30 days of receipt of my letter, and I kindly ask that you expedite this process. I appreciate your cooperation in this matter and thank you in advance for your prompt attention to this issue. 

Listed below are the Personal Information that are being challenged : Incorrect Name : XXXX  XXXX I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of the claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility otherwise of the claim, ownership or responsibility otherwise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or otherwise not certifiably compliant claim ( s ) and/or debt ( s ).

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ).

Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice.

Listed below are the Collections that are being challenged : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The deletion or blocking of accounts resulting from potential unauthorized inquiries is governed by consumer protection laws, ensuring the removal of inaccurate or potentially fraudulent information. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which may stem from potential fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions appear to have been undertaken without my authorization, thus potentially infringing upon my consumer rights as defined by the Fair Credit Reporting Act, specifically under Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies may have initiated these actions without proper validation or original documentation from any of the reporting entities. 

Listed below are the Accounts that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Furthermore, I demand that you demonstrate your lawful authority to conduct business with me or any other contesting consumer. You do not have the right to act negligently, as you are holding me at risk of financial and creditworthiness harm. Therefore, I demand that if you are unwilling or unable to comply with my request within 20 days of receiving this notice of consumer complaint, you must immediately cease all derogatory or harmful actions towards me, including reporting or collecting any unverified, untrue, invalid, or non-compliant claims or debts. 

I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any potentially fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - " I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. '' XXXX XXXX XXXX - XX/XX/2023 - " I did not authorize this inquiry, and under XXXX XXXX Code XXXX, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. '' XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - " I did not authorize this inquiry, and under 15 U.S. Code 1681b, you must have permissible purpose to access my credit report. You failed to provide valid, signed authorization, making this an illegal inquiry. Additionally, as a victim of a data breach, my personal information has been compromised, further proving that this inquiry is fraudulent. If you can not produce legally verifiable proof of authorization, DELETE IT IMMEDIATELY or face regulatory action. '' You are legally required to take action. If you fail to remove this fraudulent information, I will file a small claims lawsuit against your agency. Each violation carries statutory damages of {$1000.00} per 15 U.S.C. 1692k. The violations include but are not limited to : Defamation of character Negligent enhancement of identity fraud Failure to comply with the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) Failure to act upon notices of dispute for factual accuracy Please acknowledge receipt of this letter, and inform me of your actions regarding the removal of these disputed items within 20 days of receipt of this notice. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief