Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau Attn : Complaints Department XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Regarding Illegal Sale and Purchase of My Information and Request for Deletion of Accounts Dear Sir/Madam, I am writing to file a formal complaint regarding the illegal sale and purchase of my personal information, which was obtained through the Equifax data breach. As a victim of this breach, I am deeply concerned about the unauthorized access to my information and the subsequent harm it has caused to my financial standing. 

Attached to this letter, you will find compelling evidence that clearly indicates Equifax 's admission of my status as a victim of the data breach. Despite this admission, Equifax has failed to take appropriate action to rectify the situation and remove the accounts associated with this breach from my credit reports. Therefore, I kindly request your immediate intervention in this matter. 

The following accounts, which were established illegally using my personal information, must be deleted from my credit reports without delay : Here is a list of the credit information I am requesting to be removed thus far. 
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 Account status Open Type Responsibility Individual Account information disputed by consumer, meets Remarks FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$92.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance $ XXXX  Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) This one is totally inconsistent across the different credit Bureaus. I have disputed it over and over. 

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 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, O mos ) Given the seriousness of this breach and the emotional distress it has caused me, I demand that these illegal accounts be removed from my credit reports effective immediately. The presence of these accounts has adversely affected my creditworthiness and has had a direct impact on my ability to secure loans, mortgages, and other financial opportunities, affecting both my personal and business credit. 

I have diligently taken steps to protect my personal information following the breach, including freezing my credit and regularly monitoring my reports. However, I firmly believe that it is the responsibility of Equifax and other entities involved in the illegal sale and purchase of my information to rectify the situation and ensure that my credit history reflects accurate and lawful information. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their negligence and failure to address this issue promptly. I trust that your expertise and resources will enable you to enforce the necessary measures to protect consumer rights and hold Equifax accountable for their actions. 

Thank you for your attention to this matter. I respectfully request a timely response and appropriate action to resolve this unfortunate situation. 

Sincerely, XXXX XXXX