Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following inaccurate and fraudulent information that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c-2, I have been a victim of debt trafficking, and I demand the immediate removal of the disputed items in accordance with federal law. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX  {$430.00} XXXX. XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX. XXXXXXXX XXXX  {$14000.00} XXXX {$8200.00} XXXX. {$72000.00} INQURIES : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are fraudulent and must be removed without delay. I have already notified the relevant authorities, and this letter serves as an official notification to your agency that I am a victim of debt XXXX. Under the FCRA, you are legally required to act immediately upon receipt of this communication, particularly given my victim status. 
Applicable FCRA Sections : FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information related to identity theft. As I have been a victim of debt trafficking, you are required by law to block the reporting of these fraudulent items within four business days of receiving this request, upon receipt of my identity theft report and the documentation provided herein.

FCRA Section 615 ( f ) : Prohibits the sale or transfer of any account that is known to be fraudulent or in dispute due to identity theft. Any further attempts to sell, assign, or transfer these debts would be a clear violation of the FCRA, and I will not hesitate to take legal action if such violations occur.

FCRA Section 624 ( a ) ( 6 ) : Mandates that users of consumer reports refrain from furnishing information to any consumer reporting agency if they have been informed that the information is related to identity theft. This provision clearly requires the removal of these fraudulent accounts from my file.

Demand for Immediate Action : I hereby request that : All fraudulent accounts be permanently removed from my credit report.

A block be placed on any information that is the result of identity theft in accordance with 15 U.S.C. 1681c-2.

Written confirmation of the removal and the updated credit report be provided to me within the legally mandated time frame. 

Failure to comply with the above laws will result in immediate legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing civil damages under FCRA. I expect your prompt attention to this matter, as any delay in correcting these fraudulent items is a violation of my rights.

Enclosures : Copy of my identity theft report Copy of my government-issued ID Proof of address Additional documentation supporting this dispute I look forward to your prompt response and immediate compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation