Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
# IDENTITY THEFT DISPUTE AND BLOCKING REQUEST * * XXXX XXXX * * * * XXXX XXXX XXXX * * * * XXXX, LA XXXX * * * * XXXX * * * * XX/XX/XXXX * * * * Equifax Information Services LLC * * * * XXXX  XXXX XXXX * * * * XXXX, GA XXXX * * * * RE : IDENTITY THEFT DISPUTE AND MANDATORY BLOCKING REQUEST * * * * Consumer : XXXX XXXX XXXX XXXX * * SSN : XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX * * -- - # # NOTICE OF IDENTITY THEFT UNDER 15 U.S.C. 1681c-2 Dear Sir/Madam : I am writing to formally notify you of identity theft and to request immediate blocking of fraudulent accounts appearing on my consumer credit report. This correspondence serves as my official identity theft report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 and Section 605B.

* * I AM A VICTIM OF IDENTITY THEFT * * and the accounts listed below were opened and/or used without my knowledge, authorization, or consent.

# # # FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE BLOCKING : * * 1. XXXX XXXX, XXXX * * - Account : XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * - Account : XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * * * 2. XXXX XXXXXXXX XXXX XXXX XXXX - Account : XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * - Account : * XXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * * * 3. XXXX * * - Account : XXXX XXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * * * 4. XXXX XXXXXXXX XXXX * * - Account : XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * * * 5. XXXX XXXX * * - Account XXXX XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * * * 6. XXXX XXXX XXXX  - Account : XXXX XXXXXXXX ( Opened : XX/XX/XXXX ) - * * FRAUDULENT * * -- - # # LEGAL BASIS FOR MANDATORY BLOCKING # # # FCRA SECTION 605B - BLOCK OF INFORMATION FROM IDENTITY THEFT Under 15 U.S.C. 1681c-2 ( a ), you are * * REQUIRED * * to block the reporting of any information that a consumer identifies as resulting from an alleged identity theft, upon receipt of : 1. Appropriate proof of identity of the consumer 2. A copy of an identity theft report 3. Identification of information that resulted from identity theft 4. A statement by the consumer that the information is not information relating to any transaction by the consumer # # # FCRA SECTION 605B ( a ) ( 1 ) - MANDATORY COMPLIANCE The blocking requirement under 15 U.S.C. 1681c-2 ( a ) ( 1 ) is * * NOT DISCRETIONARY * *. Upon receipt of proper documentation, you must block the information within 4 business days.

# # # FCRA SECTION 605B ( a ) ( 4 ) - NO CHARGE FOR BLOCKING Under 15 U.S.C. 1681c-2 ( a ) ( 4 ), you can not charge any fee for blocking information identified as resulting from identity theft.

-- - # # IDENTITY THEFT AFFIDAVIT AND SWORN STATEMENT * * I, XXXX XXXX, hereby swear and affirm under penalty of perjury that : * * 1. * * I am the victim of identity theft * * 2. * * I did not authorize, participate in, or benefit from the above-listed accounts * * 3. * * I have no knowledge of how these accounts were opened * * 4. * * I first became aware of these fraudulent accounts when reviewing my credit report * * 5. * * I do not recognize the account details, opening dates, or associated information * * 6. * * These accounts do not relate to any transaction conducted by me * * # # # IDENTITY THEFT TIMELINE : - * * Discovery Date : * * Upon credit report review - * * Estimated Theft Period : * * XXXX - * * Method of Theft : * * Unknown identity compromise - * * Law Enforcement Contact : * * Will file if required -- - # # REQUIRED ACTIONS UNDER 15 U.S.C. 1681c-2 * * MANDATORY BLOCKING DEMANDED : * * 1. * * IMMEDIATE BLOCKING * * of all identified fraudulent accounts within 4 business days 2. * * COMPLETE SUPPRESSION * * from all future credit reports and credit scores 3. * * WRITTEN CONFIRMATION * * of blocking within 4 days to : * * XXXX XXXX XXXX, XXXX, LA XXXX * * 4. * * UPDATED CREDIT REPORT * * reflecting all blocked information 5. * * NOTIFICATION * * to furnishers that accounts have been blocked due to identity theft # # # LEGAL CONSEQUENCES OF NON-COMPLIANCE : - * * 15 U.S.C. 1681n * * - Willful non-compliance statutory damages ( $ 100- {$1000.00} per violation ) - * * 15 U.S.C. 1681o * * - Negligent non-compliance actual damages- * * Attorney fees and costs * * under 15 U.S.C. 1681n ( a ) ( 3 ) - * * Punitive damages * * for willful violations -- - # # FURNISHER NOTIFICATION REQUIREMENTS Under 15 U.S.C. 1681c-2 ( a ) ( 2 ), you must notify the furnisher of the blocked information that : 1. The information may be a result of identity theft 2. An identity theft report has been filed 3. A block has been requested or applied 4. The furnisher may not refurnish the blocked information unless certain conditions are met -- - # # CONSUMER STATEMENT AND DECLARATIONS * * I HEREBY DECLARE AND AFFIRM : * * - These accounts are the result of identity theft - I have never had any business relationship with these creditors- I did not authorize anyone to open these accounts on my behalf- I have not received any benefit from these accounts- I request immediate blocking under federal law * * IDENTITY VERIFICATION PROVIDED : * * - Driver 's License Copy ( Proof of Identity ) - Social Security Card Copy - Utility Bill ( Address Verification ) - This sworn affidavit serves as my identity theft report -- - # # URGENT COMPLIANCE DEMAND * * TIME IS CRITICAL. * * Under 15 U.S.C. 1681c-2 ( a ) ( 1 ), you have * * 4 BUSINESS DAYS * * from receipt of this notice to block all identified fraudulent information. This is not a request- it is a * * MANDATORY FEDERAL REQUIREMENT * *.

* * FAILURE TO COMPLY * * within the statutory timeframe will result in : - Immediate filing of CFPB complaint - Potential federal court action for violations - Demand for statutory damages and attorney fees- Additional state law claims for damages All correspondence must be sent to : * * XXXX XXXX XXXX, XXXX, LA XXXX * *. 

-- - * * I declare under penalty of perjury that the foregoing is true and correct. * * * * XXXX XXXX * * * * Date : XX/XX/XXXX * * -- - * * ENCLOSURES : * * - Copy of Driver 's License ( Identity Verification ) - Copy of Social Security Card ( Identity Verification ) - Copy of Utility Bill ( Address Verification ) - Copy of Current Credit Report - Identity Theft Affidavit * * DELIVERY METHOD : * * Certified Mail, Return Receipt Requested * * TRACKING NUMBER : * * ________________ * * COPIES TO : * * - Consumer Financial Protection Bureau - Louisiana Attorney General - Federal Trade Commission -- - * This notice is sent pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( Section 605B ), and constitutes an official identity theft report requiring mandatory blocking of fraudulent information. *

Company response to consumer: Closed with explanation