Consumer complaint received 2025-10-17 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: KY

Complaint narrative:
To : Equifax Experian TransUnion Subject : Notice of Dispute and Demand for Immediate Action Due to Data Breach and Resulting Damages Dear Equifax, Experian, and TransUnion, I am writing to formally notify you of a serious issue involving the security of my personal data and to demand immediate deletion of inaccurate and unauthorized information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal protections enforced by the Consumer Financial Protection Bureau ( CFPB ). 

In XXXX, all three major credit reporting agenciesEquifax, Experian, and TransUnionwere involved in a major data breach. As a result, my personal information was compromised through no fault of my own, and I have suffered significant and ongoing harm to my financial standing, creditworthiness, and personal reputation. 
Specifically : My credit reports now contain multiple unauthorized hard inquiries that I did not initiate or authorize. 
Certain tradelines and accounts have been re-aged, resetting the delinquency date in a way that misrepresents my credit history, potentially violating the FCRA.

I have been denied favorable interest rates on mortgage refinancing, auto loans, and credit cards due to a decline in my credit score caused by these issues.

I have incurred financial and reputational damages due to inaccurate reporting and the breach of my personal data.

Under 15 U.S. Code 1681i, I request the following actions : IMMEDIATE INVESTIGATION AND REMOVAL of any inaccurate, unauthorized, or unverifiable information from my credit file, including : XXXX. Unauthorized/Fraudulent Hard Inquiries XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. Re-aged Accounts with Inaccurate Delinquency Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLEAR HA As required by the FCRA, you must conduct a reasonable reinvestigation of these disputes within 30 days of receiving this notice and provide me with a written explanation of your findings. If any item is found to be inaccurate, outdated, or unverifiable, it must be promptly deleted or corrected from my credit file. 

Additionally, under CFPB guidance, you are legally obligated to maintain the accuracy, integrity, and security of consumer information. Your failure to prevent unauthorized access to my personal data constitutes a breach of this duty, and I reserve the right to pursue all available legal remedies, including formal complaints to the CFPB, FTC, and my State 's Attorney General. 

I am demanding the following : A complete investigation and written response regarding the disputed items. 
Written confirmation that all unauthorized inquiries and inaccurate tradelines have been removed or corrected. 
A revised copy of my credit report reflecting all appropriate corrections. 
A consumer statement was placed in my credit file noting that my information was compromised in a major XXXX credit bureau data breach, which contributed to negative credit activity. 

Please treat this matter with the urgency and seriousness it warrants. Failure to respond in compliance with FCRA guidelines will result in further escalation. 

Sincerely,

Company response to consumer: Closed with explanation