Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Rejection of FTC Identity Theft Report, Data Breach Victim Status, and Account Inaccuracies ( Account : XXXX Banks # # XXXX ) To Whom It May Concern, I am writing to formally dispute Equifaxs decision to reject my Federal Trade Commission ( FTC ) Identity Theft Report concerning inaccuracies on my credit report. I am a documented victim of the Equifax data breach disclosed in XX/XX/2017, which exposed the sensitive personal data of approximately XXXX XXXX individuals, including my own. 

The Fair Credit Reporting Act ( FCRA ) clearly establishes my rights as a consumer and your obligations as a credit reporting agency : Section 605B of the FCRA mandates that when a consumer submits an Identity Theft Report and supporting documents, the credit reporting agency must block the reporting of any information that resulted from the theft. This is commonly referred to as the " black and delete '' provision. You are legally required to block such information within four business days of receiving the report and necessary documentation, as stipulated in 15 U.S.C. 1681c-2 ( a ) ( 1 ). 

15 U.S.C. 1681c-2 ( c ) specifies that the block must remain in place unless you determine that the information was placed on my report as the result of an error or fraud unrelated to identity theft. Even then, I must be notified in writing before any such information is reinstated, providing me with the opportunity to challenge the decision.

Furthermore, under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in credit reports. Ignoring the evidence I have submitted violates this fundamental obligation and perpetuates harm caused by the theft of my personal information. 

The inaccuracies in question include an account listed on my credit report under XXXXXXXX XXXX  with partial account number # # XXXX. As a victim of identity theft and the Equifax data breach, I am requesting that you block this information pursuant to your obligations under the FCRA. 

Equifaxs breach of its statutory obligations under the FCRA, especially given the circumstances of its own data breach, exacerbates the harm caused to consumers like me. You are not only legally but morally bound to provide effective remedies for victims. 

I am hereby demanding that Equifax : Immediately accept the FTC Identity Theft Report as required by law and block the disputed information within the four-business-day timeframe. 

Block the account inaccurately listed under XXXXXXXX XXXX with account number # # XXXX, as it is fraudulent. 

Conduct a comprehensive and good-faith investigation into the inaccuracies on my credit report. 

Permanently delete all information found to be inaccurate, unverifiable, or resulting from the theft of my personal data. 

Provide me with a detailed response, including the results of your investigation, within the legally required timeframe. 

Failure to comply with these requests may result in my filing a lawsuit and pursuing legal remedies for violations of the FCRA, including claims for statutory and punitive damages. 

Please acknowledge receipt of this letter and confirm that my dispute is under review. I expect a timely and thorough response to resolve this matter without further escalation. 

Sincerely, [

Company response to consumer: Closed with non-monetary relief