Consumer complaint received 2025-07-17 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:
I am writing to formally demand the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report in strict accordance with federal law. Under the Fair Credit Reporting Act ( FCRA ), and other applicable statutes, I possess the undeniable right to maintain an accurate credit report and to challenge any entries that fail to meet the standards of validity and proper verification. 
XXXX # XXXX This account is erroneous and needs to be removed immediately. 
XXXX XXXX XXXXXXXX This account is erroneous and needs to be removed immediately XXXX XXXX # XXXX This account is erroneous and needs to be removed immediately. 

Legal Grounds for Dispute and Immediate Action Required : 1. FCRA Section 605B, 15 U.S.C. 1681c-2 Block of Information Resulting from Identity Theft In accordance with Section 605B of the FCRA, I demand the immediate blocking of the account ( s ) referenced above, as they are a direct result of identity theft. A copy of the identity theft report is enclosed. Pursuant to the law, you are required to block this information within XXXX ( XXXX ) BUSINESS DAYS from the date of this request. Noncompliance will compel me to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
2. FCRA Section 604, 15 U.S.C. 1681b Permissible Purposes for Furnishing Consumer Reports The fraudulent nature of the account ( s ) and their lack of proper verification constitutes a clear violation of the permissible purposes for furnishing consumer reports. As such, I demand the immediate removal of this inaccurate information to rectify this significant legal violation.

3. Gramm-Leach-Bliley Act ( GLBA ) Protection of Personal Financial Information The Gramm-Leach-Bliley Act mandates the protection of my personal financial information. Your failure to comply with this act in safeguarding my sensitive data is unacceptable. I demand that you take IMMEDIATE ACTION to protect my information from further compromise.

Demand for Immediate Action : 1. Deletion or Blocking of Disputed Information : I demand that the disputed account ( s ) be deleted or blocked without delay.

2. Verification Documentation : Should you choose to dispute my claims, you must provide verifiable documentation that substantiates the accuracy of the reported information.

3. Permissible Use Inquiry : I insist that a thorough investigation into the permissible use of my consumer report be conducted. Any unverifiable accounts must be removed promptly.

Your immediate compliance with these demands is not only required by federal law but is also essential to restoring my trust in your agency. Should you fail to act within the required timeframe, I will have no choice but to escalate this matter by filing complaints with the appropriate regulatory authorities. I expect to receive confirmation of the removal of the disputed information within XXXX ( XXXX ) DAYS of receipt of this letter.

Company response to consumer: Closed with explanation