Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I am writing to formally dispute fraudulent information on my credit report. I am a victim of identity theft and a data breach, and my personal information was used without my consent to open unauthorized accounts. 
I have filed a report with the Federal Trade Commission ( FTC ), Report Number : [ ], which is attached to this letter along with a copy of my government-issued ID and a utility bill for identity verification. 
Under 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act, a credit reporting agency must block and remove information that a consumer identifies as the result of identity theft within XXXX business days of receiving a valid request. 
Please block and remove the following account from my credit report : Account Name : None ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Reason : Account is fraudulent Account Name : XXXX FCU Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Account is fraudulent Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Account is fraudulent Failure to respond satisfactorily will result in legal action. I reserve the right to pursue a small claims case against your agency and will seek statutory damages of {$1000.00} per violation under 15 U.S. Code 1692k. 
Violations include but are not limited to : XXXX. Defamation of Character XXXX. Negligent Enhancement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act XXXX. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) XXXX. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) XXXX. Failure to comply with 15 U.S.C. 1692g XXXX. Permissible purpose violations under 15 U.S.C. 1681b XXXX. Improper method of verification under 15 U.S.C. 1681XXXX ( XXXX ) XXXX. Right to privacy violations under 15 U.S.C. 1681a ( XXXX ) XXXX. Improper handling of consumer data under 15 U.S.C. 1681c Please take this matter seriously. I demand that this fraudulent account be permanently removed and blocked from all consumer reporting systems. An updated copy of my credit report reflecting this correction is also requested. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
15 U.S.C. 1681c ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN XXXX YEARS. 
15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONALBLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCUARTE.

Company response to consumer: Closed with explanation