Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a result of identity theft, Equifax Data Breach and my non public personal information was compromised and exposed. As referenced in the Equifax Data Breach Settlement, reference number XXXX. These inaccuracies are having a direct and negative impact on my credit worthiness and I demand immediate action to rectify this matter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Consumer Services Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Removal of Derogatory Trade Lines and Inquiries Resulting from Data Breach Dear Equifax, I am writing regarding the grave violation of my privacy and consumer rights resulting from the Equifax Data Breach, which exposed my personal information to unauthorized parties. As a result of this breach, I have identified derogatory trade lines and unauthorized inquiries on my credit report that are both inaccurate and detrimental to my financial well-being.

These inaccuracies have a significant and unlawful impact on my credit report and have occurred through no fault of my own. Under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws, Equifax is responsible for ensuring the accuracy of my credit information and is obligated to promptly correct any inaccuracies caused by errors or unauthorized activity.

To rectify this matter, I demand the following actions be taken within five ( 5 ) days of receipt of this letter : Remove all unauthorized and unknown trade lines immediately.

Remove all unauthorized inquiries made on my credit file.

Provide a full investigation report detailing the steps Equifax will take to ensure my personal information is secure moving forward.

The information on my credit file is irrefutably compromised due to Equifax 's negligence. I have documentation confirming that my personal information was compromised as a direct result of the breach. This negligence entitles me to relief under the FCRA and potentially other federal and state laws protecting consumers against such abuses.

Failure to resolve this matter within the given timeframe will compel me to escalate this issue further, including pursuing legal remedies and filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

I am also submitting this letter to the CFPB and request their intervention to ensure Equifax complies with consumer protection laws and eliminates the inaccurate derogatory accounts resulting from the data breach. My expectation is that Equifax, with the assistance of the CFPB, will act promptly to restore my credit profile to its accurate and fair state.

Please confirm receipt of this letter and inform me once all actions have been completed. I can be reached XXXX XXXX for any additional information you may require.

Sincerely, XXXX - XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Assistance Required to Rectify Credit File Inaccuracies Following Equifax Data Breach Dear CFPB, I am reaching out for your assistance as my rights as a consumer have been violated as a result of the Equifax Data Breach. My personal information was compromised during the breach, resulting in the appearance of derogatory trade lines and unauthorized inquiries on my Equifax credit report.

Equifax has failed to correct the inaccuracies promptly despite their obligation under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB intervenes to ensure these violations are addressed and that my credit file is corrected within five ( 5 ) days.

I am attaching relevant documentation, including proof of compromised personal information, and I urge your agency to hold Equifax accountable to consumer laws to protect me and others similarly affected.

Thank you for your attention to this matter. I look forward to your swift response.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief