2da ronda Second Notice – Demand for Deletion and Description of Reinvestigation Procedures

Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

Subject: Second Notice – Demand for Deletion and Description of Reinvestigation Procedures

Confirmation #: 6047546546

To Whom It May Concern,

This letter serves as my SECOND NOTICE regarding the inaccurate and fraudulent information that remains on my credit report after your reinvestigation.

I previously submitted a formal dispute along with my FTC Identity Theft Report (#197723215) declaring that certain accounts appearing in my credit file were opened or reported without my authorization.

Under FCRA §605B (15 U.S.C. §1681c-2), once a consumer reporting agency receives a valid Identity Theft Report, it is required to block the reporting of the fraudulent information within four business days.

Despite receiving this documentation, Equifax has continued reporting accounts that should have been blocked or removed.

RESULTS OF YOUR REINVESTIGATION

According to your investigation results dated March 03, 2026, the following actions occurred:

Items Deleted

• LVNV FUNDING – Account ending *3452 – DELETED

Items Verified / Updated

• MACYS / CITIBANK – Account ending *8786 – Verified as belonging to consumer
• MIDLAND CREDIT MANAGEMENT – Account ending *1612 – Verified
• DEPT OF EDUCATION / NELNET – Account ending *9679 – Verified / Updated

While these changes were made, Equifax failed to properly block or delete all fraudulent accounts, even though a valid identity theft report was submitted.

FAILURE TO COMPLY WITH FCRA REQUIREMENTS

Your response does not satisfy the requirements of the Fair Credit Reporting Act, specifically:

·         FCRA §605B – Identity Theft Blocking

Credit reporting agencies must block fraudulent information once a valid identity theft report is provided.

·         FCRA §611 – Reinvestigation of Disputed Information

If information cannot be verified with competent evidence, it must be deleted.

·         FCRA §607(b) – Maximum Possible Accuracy

Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of reported information.

Because the accounts listed above remain on my credit report despite the presence of an identity theft report, Equifax appears to have failed to follow reasonable verification procedures.

DEMAND FOR VERIFICATION PROCEDURES

Under FCRA §611(a)(7), I formally request a complete description of the reinvestigation procedures used to verify the following accounts:

1. MACYS / CBNA – Account ending *8786
2. MIDLAND CREDIT MANAGEMENT – Account ending *1612
3. DEPT OF EDUCATION / NELNET – Account ending *9679

This description must include:

• The method of verification used
• Whether verification was performed manually or through the e-OSCAR system
• The name, address, and phone number of the furnisher contacted
• Copies of any documents used to verify the accounts
• Evidence of a signed original contract or application bearing my signature

If Equifax cannot provide this documentation, the information must be deleted immediately pursuant to FCRA §611(a)(5).

ADDITIONAL LEGAL NOTICE

Failure to remove inaccurate or unverified information after receiving an Identity Theft Report may constitute violations of:

• 15 U.S.C. §1681c-2 (Identity Theft Blocking)
• 15 U.S.C. §1681e(b) (Reasonable Procedures for Accuracy)
• 15 U.S.C. §1681i (Failure to Conduct Proper Investigation)

Courts have consistently held credit reporting agencies liable for inadequate investigations, including:

• Cortez v. Trans Union LLC
• Dennis v. BEH-1 LLC
• Dalton v. Capital Associated Industries

FORMAL DEMAND

Therefore, I demand the following:

1. Immediate deletion of the accounts listed above if proper verification cannot be provided.
2. A written description of the reinvestigation procedures used in my case.
3. Written confirmation that any information resulting from identity theft has been blocked from future reporting.

If this matter is not resolved within 30 days of receipt of this letter, I will pursue further remedies including:

• Additional complaints with the Consumer Financial Protection Bureau (CFPB)
• Filing complaints with the Federal Trade Commission and State Attorney General
• Initiating legal action for violations of the Fair Credit Reporting Act

A CFPB complaint regarding this matter has already been submitted and forwarded to your company for response.