Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This memorandum serves as a formal notice of significant breaches of conduct by the Consumer Financial Protection Bureau ( CFPB ) and private credit reporting agencies, XXXX, XXXX, and Equifax. Due to multiple breaches, my sensitive personal information has been compromised, resulting in unauthorized access to my credit file and subsequent dissemination on the Dark Web. These violations have led to the inclusion of inaccurate account information on my credit report, which must be blocked immediately under 15 U.S.C. Chapter 41, particularly 1681c-2 ( a ), requiring the blocking of such information within four ( 4 ) business days upon notification. 

Background The unauthorized breaches involving XXXX, Equifax, XXXX, and the XXXX XXXX XXXX have exposed my private data to unauthorized individuals, resulting in the fraudulent addition of inaccurate account information to my credit file. This inclusion of false data has led to substantial harm, jeopardizing my creditworthiness, reputation, and overall personal security. 

Legal Justification Pursuant to 15 U.S.C. Chapter 41, particularly under 1681c-2 ( a ), I am entitled to have any inaccurate or unauthorized account information resulting from identity theft or unauthorized access promptly blocked from my credit report. This statutory mandate requires reporting agencies to block such information within four business days upon receipt of a request from the consumer.

The following provisions are specifically relevant to my case : 15 U.S.C. Chapter 41 Consumer Credit Protection : This Act establishes essential consumer rights, obligating reporting agencies to protect and correct consumer information, especially when inaccuracies are due to data breaches or unauthorized activity. This duty of care, if violated, not only disregards consumer rights but also facilitates continued harm to the consumer 's financial reputation.

15 U.S.C. 1681c-2 ( a ) Blocking of Information Resulting from Identity Theft : This provision mandates that, upon notification of identity theft, reporting agencies must block all related information within four business days. Non-compliance with this statutory requirement directly violates federal law and subjects the reporting agency to potential civil liabilities for harm caused by failure to block or remove fraudulent information.

Immediate Demands for Remediation Due to the severe harm caused by these data breaches, I demand the following actions by the CFPB and all relevant credit reporting agencies : Immediate Blocking of Inaccurate Account Information : Pursuant to 15 U.S.C. 1681c-2 ( a ), I demand the immediate blocking and removal of all fraudulent, inaccurate, and unauthorized account information associated with these breaches. The information includes, but is not limited to : XXXX. ) XXXX  XXXX [ Account # XXXX Credit Card unauthorized balance ]. 
XXXX. ) XXXX  XXXX [ Account # XXXX Cell Phone ] XXXX. ) XXXX XXXX [ Account # XXXX Cell Phone ] XXXX. ) XXXX XXXX  [ Account # XXXX DEBT BUYER ] This information must be fully blocked and removed within four ( 4 ) business days from receipt of this memorandum, as required by federal law.

Implementation of Enhanced Security Measures : To protect my data from further unauthorized access, I demand confirmation that strict data protection protocols are in place and are being enforced by your agency.

Provision of a Detailed Report of Corrective Actions : I request a comprehensive report documenting the corrective actions taken by each credit reporting agency to remove all fraudulent information from my file, as well as confirmation of compliance with all applicable consumer protection statutes.

Conclusion This memorandum serves as a formal demand for compliance with federal consumer protection laws. The gross negligence and inaction by the CFPB and private credit reporting agencies have caused irreparable damage to my credit profile, personal security, and peace of mind. Should you fail to comply with 15 U.S.C. 1681c-2 ( a ) and other applicable statutes, I will pursue all available legal remedies to enforce my rights and recover damages for the harm sustained.

Please acknowledge receipt of this memorandum and confirm that these actions are in progress within four ( 4 ) business days to ensure adherence to statutory requirements.