Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
Heres the updated version of your letter, now including the removal of the four unauthorized names you listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX Social Security Number : * * * ( Redacted for privacy ) Date : [ Insert Todays Date ] Subject : IMMEDIATE ACTION REQUIRED Manual Review & Permanent Removal Due to Identity Theft ( Equifax Data Breach ) To Whom It May Concern, I am submitting this formal dispute and demanding the immediate and permanent removal of the unauthorized account and incorrect personal information listed below from my credit file. This fraudulent activity is directly tied to identity theft resulting from the Equifax Data Breach. 
I have been officially confirmed as a victim of the Equifax Data Breach, and my sensitive personal information was compromised. As a result, I have suffered from fraudulent account openings and misreported personal information. 
Enclosed is my FTC Identity Theft Report, which serves as official documentation. Under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), you are legally required to block and eliminate all fraudulent information from my credit report. 
MANUAL INVESTIGATION REQUIRED NO AUTOMATED PROCESSING I insist that a real person manually review my case. The use of any automated dispute systems is strictly prohibited, including : AFCI ( Automated Fraud Control Initiative ) EOSCAR ( Electronic Dispute System ) Pre-generated templates or automated responses Any automated or noncompliant response will result in a formal complaint being filed with the CFPB, FTC, and State Attorney General. 
ACCOUNT TO BE REMOVED Creditor Name Account Number Date Opened Original Balance XXXX XXXX XXXX XX/XX/XXXX {$14000.00} INCORRECT PERSONAL INFORMATION TO BE REMOVED Incorrect/Unauthorized Names : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE & CFPB COMPLAINT WARNING This is a formal legal demand under federal law. You have 30 days to comply.

Per the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You must investigate and remove fraudulent records within 30 days.

15 U.S.C. 1681c-2 ( a ) : You must block identity theft-related data immediately upon receipt of proper documentation.

15 U.S.C. 1681n : Willful non-compliance permits me to seek {$1000.00} per violation. 
A formal complaint will be filed if : A manual investigation is not conducted The fraudulent account or names are reinserted without notice ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) Written confirmation is not provided within 30 days ATTACHED DOCUMENTS ( Proof of Identity ) Copy of Government-Issued ID Social Security Card Recent Utility Bill FTC Identity Theft Report Documentation confirming breach involvement by Equifax FINAL REQUIREMENT CONFIRMATION OF DELETION I require written confirmation that : The listed fraudulent account and incorrect personal names have been permanently deleted No removed items will be reinstated without proper notice in accordance with FCRA 611 ( a ) ( 5 ) ( B ) Failure to comply will result in immediate legal escalation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief