Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am writing to formally dispute and request the suppression of fraudulent accounts and inaccurate information appearing on my Equifax credit report, pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ). As a documented victim of identity theft, my personal information was compromised in both the Equifax Data Breach and the NPD Breach, putting me at heightened risk of fraud and financial harm. 

Legal Responsibility under FCRA Equifax is mandated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of all information reported. This includes the duty to conduct a reasonable and independent investigation when a dispute is filed. As established in XXXX XXXX Equifax, LLC, a Consumer Reporting Agency ( CRA ) can not fulfill its investigative obligations by merely repeating data obtained from secondary or affiliated sources. 

You are prohibited from verifying any disputed information using data from secondary agencies that you own or are affiliated with. This case highlights your duty to conduct a thorough and independent review to ensure the integrity of consumer data. 

Fraudulent Accounts to Be Suppressed I demand the immediate deletion and suppression of the following fraudulent and unverifiable accounts, which have appeared on my credit report without my authorization : 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  - Opened : XX/XX/XXXX XXXX  XXXX - Opened : XX/XX/XXXX XXXX  XXXX - Opened : XX/XX/XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX XXXX - Opened : XX/XX/XXXX XXXX  - Opened : XX/XX/XXXX XXXX  - Opened : XX/XX/XXXX Each of these entries is fraudulent and remains unverified. As per 15 U.S.C. 1681b and 1692g, you are legally obligated to produce documentation demonstrating my liability. If you can not provide original, verifiable, and lawful documentation proving my authorization and responsibility for these accounts, you must delete them immediately. These matters are currently under investigation by the Federal Trade Commission ( FTC ). 

Improper and Unlawful Inquiries Additionally, I dispute the legitimacy of inquiries associated with : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX These inquiries lack the lawfully obtained permissible purpose as outlined under 15 U.S.C. 1681b. Unless you can provide documented proof of permissible purpose, you must immediately remove these inquiries from my credit report.

Demand for Immediate Compliance I respectfully demand : The suppression and permanent deletion of all fraudulent and inaccurate accounts listed above.

A copy of the results of your investigation within the 30-day period provided by the FCRA. 

Proof of compliance with all applicable federal and state laws, including permissible purpose documentation and dispute handling procedures. 

Legal Notice Failure to comply with your obligations under the FCRA may result in legal action. Please consider this a formal notice under FCRA Sections 605B, 611, 604, and 609, along with all relevant FTC guidelines.

I have enclosed a copy of my government-issued ID, a utility bill, and a signed FTC Identity Theft Report for your verification. I also included my Personal Tracking Number in the header of this document.

Company response to consumer: Closed with non-monetary relief