Consumer complaint received 2025-06-28 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:
URGENT LEGAL DELETION DEMAND FCRA 605B + RENTBUREAU BLOCK + NO FRAUD FLAGS RE : FRAUDULENT ACCOUNTS DUE TO DATA BREACH | IMMEDIATE REMOVAL OF ALL ENTRIES | LEGAL NOTICE To Whom It May Concern : This is a formal, federally protected dispute and identity theft deletion demand under the Fair Credit Reporting Act ( FCRA 605B / 15 U.S.C. 1681c-2 ) and Fair Debt Collection Practices Act ( FDCPA ). 

Due to a confirmed data breach, multiple fraudulent credit and rental entries have been created in my name without my knowledge, consent, or authorization. These entries have no legal basis, have been repeatedly denied in error, and are now causing severe financial, housing, and emotional harm. 



FRAUDULENT ACCOUNTS TO DELETE ( ALL AGENCIES + RENT REPORTING ) : XXXX Account # : XXXX {$1100.00} XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX House XXXX Apartments fraudulent rental collection ( NOT MINE ) This rental item is believed to be hidden on Experian XXXX and others it must be deleted immediately from all rental and traditional credit files. It is tied to a fraudulent lease and unauthorized debt and is preventing me from obtaining housing. 



DO NOT ADD ANY FRAUD FLAGS OR VICTIM STATEMENTS : You are legally forbidden from adding or maintaining : Fraud alerts Consumer statements Credit freezes Victim notations These alerts cause automatic denials and violate my right to unbiased access to credit and housing. 



FEDERAL LAWS YOU ARE BOUND BY : FCRA XXXX Requires deletion/blocking of identity theft entries within XXXX business days FCRA XXXX Requires reinvestigation or deletion of unverifiable/fraudulent data FDCPA XXXX Prohibits continued collection on disputed/unauthorized accounts FTC + CFPB enforcement Authorize immediate XXXX for noncompliance ATTACHED : My FTC Identity Theft Report Copy of my government-issued ID DEADLINE : If these entries are not permanently deleted within XXXX hours, I will : 1. File full complaints with the CFPB, FTC, and state Attorney General 2. Pursue legal action for damages, emotional distress, and credit discrimination 3. Initiate public consumer reporting and press filings against your failure to act This letter and packet constitute formal legal notice. I am not liable for these debts or entries and did not authorize them in any way. 



I demand full removal of all fraudulent accounts and all associated rental or lease collections from every traditional credit report and every rent reporting database immediately. This is not a requestit is a legal requirement. 

Signed XXXX XXXX ( see below ) I declare under penalty of perjury that I am not responsible for the above accounts. I was affected by a data breach and did not authorize these debts. I demand full deletion of these records and full removal of fraud flags or alerts from my credit profile. 
XXXX XXXX + XX/XX/year> Sincerely, XXXX XXXX Email : [ XXXX ]

Company response to consumer: Closed with explanation