Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Via Certified Mail and Email Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Identity Theft Dispute Immediate Deletion of Fraudulent Accounts and Inquiries To Whom It May Concern : I, XXXX XXXX, am submitting this formal dispute regarding fraudulent and unauthorized information appearing on my Equifax credit report. This letter serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable federal and state consumer protection laws. 



XXXX. Identity Theft Report and Formal Dispute XXXX. I have filed a Police Report documenting the identity theft. 
XXXX. I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
XXXX. The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the direct result of identity theft. 
XXXX. I have notified all three major credit reporting agencies of this matter and am requesting immediate investigation and deletion in compliance with federal law. 



XXXX. Fraudulent Accounts to Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$32000.00} Status : Pays as Agreed Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$5000.00} Past Due : {$270.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$6000.00} Past Due : {$140.00} Date Opened : XX/XX/XXXX Last Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Legal Basis for Immediate Deletion Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data they knowor should knowto be inaccurate. Continuing to report or verify fraudulent data after receiving this notice constitutes willful noncompliance with the FCRA and subjects Equifax to civil liability for statutory and punitive damages.

Additionally, Equifax is required under FCRA 611 ( a ) to conduct a reasonable reinvestigation of all disputed items within the prescribed time frame and to provide written confirmation of results. 



XXXX. Formal Demands I hereby demand that Equifax : XXXX. Cease and desist from reporting, collecting, or communicating any information related to the fraudulent accounts or inquiries listed above. 
XXXX. Immediately delete all records of the fraudulent accounts and inquiries from my credit file. 
XXXX. Block any further release or sale of my personal data without my express written consent. 
XXXX. Notify all furnishers and other credit bureaus of the deletions and corrections made to my file. 
XXXX. Provide written confirmation of compliance and investigation results within XXXX ( XXXX ) calendar days of receipt of this letter. 



XXXX. Enclosures Copy of Police Report documenting identity theft Copy of CFPB Complaint Confirmation Proof of Identity ( Drivers License ) Supporting evidence and documentation of the fraudulent activity XXXX. Notice of Enforcement If Equifax fails to comply with this demand, I will : XXXX. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Arkansas Attorney Generals Consumer Protection Division ; XXXX. Pursue civil litigation to recover statutory, actual, and punitive damages under federal law ; and XXXX. Seek all other available remedies for negligence and willful noncompliance. 

Please govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX  Attorney General Consumer Protection Division

Company response to consumer: Closed with explanation