Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
XXXX Equifax XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : * XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL & EMAIL To : Equifax XXXX Department XXXX : Supervisor P.O. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries Formal Identity Theft Report and Cease & Desist Demand Dear Supervisor, My name is XXXX XXXX, and I am writing with urgency to dispute and demand the immediate removal of fraudulent and unauthorized accounts and inquiries reported under my credit profile. This correspondence serves as both a Formal Identity Theft Report and a Demand to Cease and Desist pursuant to the following federal statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq.

1. Notice of Identity Theft and Exposure of Personal Data I have been a verified victim of identity theft and have suffered repeated exposure of my personal information through multiple credit bureau breachesspecifically Equifax and Experian. 
Equifax Breach ( XX/XX/XXXX ) : In XX/XX/XXXX, Equifax announced a data breach that exposed the personal information of approximately XXXX XXXX XXXX consumers, later confirmed to have affected XXXX XXXX individuals across the United States, XXXX, and the XXXX XXXX. 
Experian Breaches ( XXXX ) : A known security flaw at XXXX XXXX operations was publicly disclosed in late XXXX, allowing access to individual credit reports without full authentication between XX/XX/XXXX, and XX/XX/XXXX. 
Additionally, Experians international divisions were linked to large-scale data leaks, including a XXXX breach involving XXXX XXXX Brazilian citizens and prior exposure of South XXXX consumer data in XXXX. 
TransUnion XXXX ( XX/XX/XXXX ) : On XX/XX/XXXX, TransUnion experienced unauthorized access of consumer data via a third-party application. The incident was discovered on XX/XX/XXXX, impacting approximately XXXX to XXXX XXXX XXXX consumers. 

Given my verified victim status and these systemic data compromises across all three credit bureaus, I am exercising my rights under 15 U.S.C. 1681c-2 to request immediate blocking and permanent removal of all fraudulent data. 



XXXX. Fraudulent Addresses to Remove XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Ext, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX Accounts XXXX. XXXX XXXX XXXX MS XXXX Acct. Ending XXXX Reported XXXX : {$2600.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX Acct. Ending XXXX High Credit Amount : {$1700.00} Date Opened : XX/XX/XXXX XXXX. Fraudulent Credit Inquiries XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of Inquiry : XX/XX/XXXX These inquiries were not initiated by me, nor did I authorize any company to access my credit file. 



XXXX. Factual Basis for Dispute The listed creditors have failed to produce any valid contract, application, or signature linking me to the fraudulent accounts. 
The fraudulent accounts are connected to addresses not belonging to me. 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is unlawful for furnishers to knowingly report false or inaccurate information. 
Equifax is legally obligated to investigate and delete unverifiable information under 15 U.S.C. 1681i. 
No documentation has been provided that establishes any legitimate relationship between myself and these entities. 



XXXX. Demands for XXXX XXXX I hereby demand that Equifax take the following actions without delay : XXXX. Cease and desist all reporting, collection, and third-party sharing related to the fraudulent accounts and inquiries listed above. 
XXXX. Permanently delete and block the disputed accounts, inquiries, and addresses from my credit file. 
XXXX. Notify all consumer reporting agencies and furnishers of these deletions and corrections. 
XXXX. Provide written confirmation of full compliance within XXXX ( XXXX ) calendar days of receiving this letter. 
XXXX. Refrain from disseminating my personal information ( PII ) without my express written consent. 



XXXX. Enclosures FTC Identity Theft Report Notarized Identity Theft Affidavit Copy of Government-Issued ID Supporting Documentation ( proof of fraudulent activity ) XXXX. Notice of Victim Status I have contacted the creditors involved and was instructed to notify Equifax directly. I am a verified victim of identity theft connected to breaches by Equifax, Experian, and TransUnion. 
Under federal law, you are required to block and remove all fraudulent data immediately and ensure my consumer profile reflects accurate information only. 

Thank you for your immediate attention to this matter. 



Respectfully, XXXX XXXX XXXX : XX/XX/XXXX SSN : * XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief