Consumer complaint received 2025-06-22 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: MO

Complaint narrative:
XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Intent to Sue Failure to Comply with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally notify you of my intent to initiate legal action against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., specifically regarding your failure to fulfill your legal obligations after being informed that I am a victim of identity theft. 

On multiple occasions, I disputed an XXXX XXXX account listed on my credit report as fraudulent. I made it clear to Equifax that I am a victim of identity theft, which stems, in part, from your well-documented data breach that exposed my personal information. As a result of this breach, I have been targeted by criminals who opened unauthorized accounts in my name, diverted my mail, and committed additional fraud. 

Pursuant to 15 U.S. Code 1681i ( a ) ( 7 ), I submitted a request for the method of verification used by Equifax to confirm the validity of this disputed account. I specifically asked for : The documents Equifax relied upon to verify that the XXXX XXXX account belonged to me ; The names of the persons or departments contacted in connection with this verification ; and The dates and times of such communications. 

As of today 's date, XX/XX/2025, more than 15 days have passed since my request was submitted via the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2025, and I have yet to receive any of the required documentation. 

In accordance with 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( ii ), a consumer reporting agency must provide the method of verification within 15 days of a consumers written request following a reinvestigation. If such verification can not be provided, the disputed information must be deleted from the consumers credit file.

Additionally, under 15 U.S. Code 1681c-2 ( a ), once a consumer submits an identity theft report ( which I have done ), the credit bureau is legally required to block the reporting of the fraudulent information immediately, not conditionally or after internal review. Yet, the fraudulent XXXX XXXX account still appears on my credit report, in clear violation of this statute. 

This letter serves as a final demand that Equifax immediately : Delete the fraudulent XXXX XXXX account from my credit report ; Provide written confirmation that the account has been removed ; and Confirm your compliance with FCRAs procedural requirements.

I am giving Equifax 10 days from the date of this letter to resolve this matter. If I do not receive a satisfactory response within this timeframe, I will proceed to file a complaint in federal court seeking damages, attorneys fees, and all other relief to which I am entitled under the law. 

I would prefer to resolve this matter amicably. However, if forced to do so, I am fully prepared to enforce my rights under federal law. For your convenience, I have attached a copy of the complaint filed through the CFPB, along with relevant identity theft handling guidelines as outlined by the Bureau. 

Sincerely, XXXX XXXX Enclosures : CFPB Complaint Confirmation ( XX/XX/2025 ) Identity Theft Handling Guidelines Prior Correspondence and Dispute Records

Company response to consumer: Closed with explanation