Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally demand, under 15 U.S. Code 1681c-2 ( FCRA 605B ), the immediate blocking and removal of the unauthorized accounts and inquiries listed below, which are the direct result of identity theft.

Pursuant to my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), you are federally mandated to block these items from my credit report within XXXX ( XXXX ) business days upon receipt of proper documentation ( as outlined below ). Failure to comply is a violation of federal law and may result in regulatory action, civil liability, or both.

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY Creditor Name Account Number Date Opened Amount Owed Current Status 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 UNAUTHORIZED INQUIRIES TO BE REMOVED Creditor Name Type of Business Date of Inquiry Bureau XXXX XXXX Credit Card XX/XX/XXXX Experian XXXX XXXX TO ESTABLISH FRAUD AND IDENTITY THEFT In accordance with FCRA 605B ( a ) ( 2 ), I have enclosed the following to verify my identity and support this dispute : 1. A copy of my valid, government-issued photo ID.

2. A signed Identity Theft Report from the Federal Trade Commission ( FTC ).

3. A copy of the police report filed with local law enforcement regarding this theft.

LEGAL BASIS FOR REMOVAL ( UNDER FEDERAL LAW ) Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ) : You are legally required to block all information resulting from identity theft from my consumer file within XXXX ( XXXX ) business days of receiving my written request and supporting documentation.

Once blocked, this information must not be reinserted into my credit file without the procedures outlined under FCRA 611.

You are also obligated to notify the furnishers ( creditors ) listed above that these accounts resulted from identity theft and that the consumer has exercised their rights under federal law.

This is not a standard disputeit is a formal identity theft blocking request under FCRA 605B, and your failure to comply may be considered willful noncompliance, triggering legal liability per FCRA 616 and 617, including punitive damages and attorneys fees.

RELEVANT SECURITY BREACHES My information was likely compromised during one or more of the following national data breaches : Equifax ( XXXX ) : Breach of XXXX XXXX SSNs and birthdates. 
XXXX  XXXX ( XXXX ) : Exposure of over XXXX XXXX customers personal and financial data. 
XXXX ( XXXX ) : Loss of sensitive data for over XXXX XXXX applicants. 



FINAL DEMAND FOR COMPLIANCE I respectfully demand written confirmation that the listed fraudulent accounts and inquiries have been fully deleted from my credit file and that the corresponding furnishers have been notified, within XXXX ( XXXX ) business days, as required by law. 

Should you require additional documentation or information to complete this process, you may reach me directly at the contact information listed above. I expect full compliance without delay to avoid further legal escalation. 

Thank you for your immediate attention to this legal matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief