Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute Request for Investigation Dear Equifax Dispute Department XXXX XXXX am writing to formally dispute the accuracy of certain accounts on my Equifax credit report, which I obtained on [ date of report ]. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported is accurate and verifiable. Given Equifaxs well-documented failure to protect consumer data in the 2017 data breach, I am concerned that my credit report may contain incorrect, outdated, or fraudulent accounts that resulted from this breach.

According to the U.S. House of Representatives report on the breach, Equifax failed to implement basic security measures, allowing hackers unauthorized access to sensitive personal information for 76 days. Attackers " performed approximately XXXX queries on XXXX databases '' containing personally identifiable information ( PII ), compromising the personal data of over XXXX XXXX Americans. This breach created a heightened risk of fraudulent activity on consumer credit files, including mine. 
Due to this breach and its potential consequences, I request a formal investigation into the following disputed accounts : Disputed Accounts XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX o Issue : Unauthorized account o Reason for Dispute : This account does not belong to me and may be the result of identity theft stemming from the XXXX  Equifax breach. Given the scope of the breach and the fact that Equifax failed to detect the exfiltration of data for nearly XXXX months, I request immediate removal of this account unless verifiable proof of my authorization can be provided. 
XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX o Issue : Unauthorized account o Reason for Dispute : This account does not belong to me and may be the result of identity theft stemming from the 2017 Equifax breach. Given the scope of the breach and the fact that Equifax failed to detect the exfiltration of data for nearly three months, I request immediate removal of this account unless verifiable proof of my authorization can be provided. 
XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX o Issue : Unauthorized account o Reason for Dispute : This account does not belong to me and may be the result of identity theft stemming from the 2017 Equifax breach. Given the scope of the breach and the fact that Equifax failed to detect the exfiltration of data for nearly three months, I request immediate removal of this account unless verifiable proof of my authorization can be provided. 
I request that Equifax conduct a thorough investigation into these inaccuracies. If the information can not be verified, I demand that these items be deleted or corrected as required under the FCRA. 
Given the severity of the Equifax breach and the companys failure to protect consumer data adequately, I expect Equifax to take immediate corrective action regarding the disputed accounts. Please provide written confirmation of the results of this investigation within 30 days, as required by the FCRA. If Equifax is unable to validate these accounts with concrete evidence, I expect them to be permanently removed from my report. 
Thank you for your prompt attention to this matter. If you require additional information, you may contact me at XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation