Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate removal of fraudulent and inaccurate information from my credit report due to my status as a XXXX XXXX survivor and identity theft victim. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act of XXXX.

Additionally, I must highlight Equifaxs blatant failure to uphold federal laws designed to protect individuals like me, particularly survivors of human trafficking. Instead of assisting me in repairing the financial damage caused by my XXXX, Equifax has actively obstructed my efforts by : Placing an alert on my credit report that prevents creditors from accessing my filewithout my consent. 
Ignoring the documentation I provided via priority mail to remove this alert, thereby preventing me from securing financial stability. 
Refusing to act in compliance with the Fair Credit Reporting Act and the Debt Bondage Repair Act, despite having received ample evidence of my status as a XXXX XXXX 

This negligence is not just incompetenceit is discrimination. Equifaxs pattern of disregarding protections for XXXX  victims disproportionately harms XXXX and marginalized communities, who are already more vulnerable to predatory financial practices. Their refusal to correct my report in a timely manner reflects a systemic bias that denies people like me access to financial recovery and opportunities. 

Background As a survivor of XXXX XXXX, my identity was stolen and exploited to open fraudulent accounts, unauthorized transactions, and inquiries without my consent. Under the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  are entitled to protections to repair financial harm caused by their XXXX. Despite my formal attestation under federal law, Equifax has failed to take appropriate action to restore my credit. 

Request for Removal Under Federal Law Under the following laws, Equifax is legally obligated to remove fraudulent information from my credit report : XXXX. Fair Credit Reporting Act ( FCRA ) Section 611 : Guarantees my right to dispute and remove fraudulent accounts. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX  ) : Ensures that XXXX  XXXX  can remove debts fraudulently incurred in their name. 
XXXX. FCRA XXXX : Requires credit bureaus to block and remove fraudulent accounts upon receipt of proper documentation. 

Fraudulent Accounts to Be Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Supporting Documentation Enclosed are : FTC Identity Theft Affidavit Formal attestation of my status as a XXXX XXXX survivor under federal law State Issued ID with my address Utility Bill Social Security Card Immediate Action Required I demand that Equifax immediately remove the fraudulent accounts, inquiries, and addresses from my credit report and provide written confirmation of these corrections. Furthermore, Equifax must suppress any personal information tied to these fraudulent accounts to prevent future misuse. 

Conclusion Equifaxs obstruction and negligence in this matter have caused further financial harm to a survivor of XXXX XXXXsomeone whom federal law explicitly protects. Their actions, including unauthorized placement of alerts, ignoring critical documentation, and failing to comply with federal protections, constitute a deliberate violation of my rights. 

If Equifax does not act immediately, I will be left with no choice but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies. 

I expect full compliance within the timeframe required by law and a corrected copy of my credit report without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief