Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Accounts FCRA Violations and Data Breach Impact To Whom It May Concern, I am writing to dispute and demand the immediate removal of inaccurate and potentially unlawful items from my credit report with Equifax. As a victim of identity theft, data breaches, and malpractice surrounding credit dispute handling, I am asserting my rights under the Fair Credit Reporting Act ( XXXX  ). 

The Consumer Financial Protection Bureau ( XXXX  ) announced that Equifax violated the following provisions of the FCRA : - XXXX U.S.C. XXXX Failure to conduct reasonable investigations of consumer disputes- XXXX U.S.C. XXXX ( b ) Failure to ensure maximum possible accuracy - XXXX U.S.C. XXXX Failure to block identity-theft-related accounts- XXXX U.S.C. XXXX Failure to provide accurate dispute results- XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) Improper reinsertion of previously deleted data Equifax violated requirements of the Fair Credit Reporting Act throughout the Dispute reinvestigation process. Further, in some instances, Equifax failed to timely block consumer information resulting from identity theft and provided inaccurate credit scores and consumer report information to lenders and others in violation of the Fair Credit Reporting Act and the Consumer Financial Protection Act. 
Specifically, Equifax violated the Fair Credit Reporting Act and the Consumer Financial Protection Act in the following ways : Equifax failed to meet the reasonable reinvestigation requirements of the FCRA XXXX, including, among other things, by failing in some instances to review and consider all relevant information in processing consumer- submitted disputes regarding the accuracy of information in their credit files ; Due to the negative impact these systemic failures have had on my credit file, I am demanding the following accounts be immediately removed : # Creditor Balance Date Opened Status XXXX XXXX XXXX Bank {$32000.00} XXXX. XXXX, XXXX In good standing XXXX XXXX XXXX Bank {$32000.00} XXXX. XXXX, XXXX In good standing XXXX XXXX XXXX XXXX Bank {$72000.00} XXXX. XXXX, XXXX In good standing XXXX XXXX XXXX {$35000.00} XXXX. XXXX, XXXX In good standing XXXX XXXX XXXX {$98000.00} XXXX. XXXX, XXXX In good standing XXXX XXXX XXXX XXXX MA XXXX FEDERAL XXXX XXXX {$0.00} {$25.00} XXXX. XXXX, XXXX XXXX. XXXX, XXXX Closed Authorized user on closed account remove Hard Inquiries to Be Removed # Company Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX Under FCRA Sections XXXX and XXXX ( b ), I am demanding that these items be deleted and that written confirmation be provided within XXXX  days as required by law. 

Failure to comply may result in complaints filed with the CFPB and FTC, and I reserve the right to seek legal remedies for continued reporting of these unlawful accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief