Consumer complaint received 2025-01-02 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: HI

Complaint narrative:
Consumer Report To The FTC FTC Report Number XXXX The FTC can not resolve individual complaints, but we can provide information about next steps to take. We share your report with local, state, federal, and foreign law enforcement partners. Your report might be used to investigate cases in a legal proceeding. Please read our Privacy Policy to learn how we protect your personal information, and when we share it outside the FTC. 

About you Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX City : XXXX XXXX : Hawaii Zip Code : XXXX -- XXXX Country : XXXX What happened Section XXXX of the Fair Credit Reporting Act ( FCRA ) deals with blocking information resulting from identity theft. Specifically, it provides a mechanism for consumers to request that credit reporting agencies ( CRAs ) block information on their credit reports that resulted from identity theft. XXXX an overview of its key components : Key Points of FCRA XXXX XXXX : Request to Block Information Due to Identity Theft : If a consumer discovers that certain information on their credit report is a result of identity theft, they can submit a request to the credit reporting agency to block this fraudulent information. Documentation Requirement : To process the request, the consumer must provide : A copy of an identity theft report, typically filed with law enforcement or a government agency. Proof of identity, such as a Social Security number or a drivers license. Obligations of XXXX XXXX XXXX : Once the CRA receives the proper documentation, it is required to block the disputed information within XXXX business days. The CRA is also responsible for notifying the entities ( such as creditors ) that furnished the fraudulent information. Exceptions to Blocking Requirements : The CRA is not required to block information if it has substantial reason to believe that : The information is accurate. The information was blocked in error or due to fraud in the identity theft report itself. The consumer made a misrepresentation in the request to block the information. Notification to the Consumer : If a CRA decides not to block the information ( due to exceptions ), it must notify the consumer in a timely manner, explaining the reasons for the decision. This section provides consumers with important protections against identity theft by allowing them to remove fraudulent information from their credit reports, which can otherwise damage their credit scores and financial standing. Remove all DEPT OF XXXX Account Date XX/XX/year> How it started Date fraud began : Amount I was asked for : Amount I Paid : XX/XX/year> {$45000.00} Payment Used : How I was contacted : Other Other Details about the company, business, or individual Company/Person Name : Equifax Address XXXX XXXX : Address Line XXXX : City : State : Zip Code : Country : Email Address : Phone : Website : Name of Person You Dealt With : Equifax Your XXXX Steps To Do List Credit and Debt Counseling Advice : Learn more about dealing with debt at How To Get Out of Debt. 
Learn more about student loan debt at How Student Loans Work and How To Avoid Scams. 
You also can file a report with your state attorney general. 
What Happens XXXX XXXX XXXX XXXX Your report will help us in our efforts to protect all consumers. Thank You! 
We can't resolve your individual report, but we use reports to investigate and bring cases against fraud, scams, and bad business practices. 
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Company response to consumer: Closed with explanation