Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And To : [ Equifax Information Services LLC ] XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Fraudulent Accounts Demand for Immediate Deletion To Whom It May Concern, I am submitting this formal dispute regarding fraudulent accounts that were unlawfully placed on my consumer credit file as a direct result of the XXXX Equifax data breach, XXXX of the largest and most notorious failures in consumer data security in XXXX history. As documented, over XXXX XXXX consumers had their private, personal, and financial information exposed. I am XXXX of those victims. 

The fraudulent accounts listed in my FTC Identity Theft Report are not mine. I did not authorize them, I did not open them, and I have no legal or financial responsibility for them. Any continued reporting of these accounts constitutes defamation of character, negligence, and a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

LEGAL BASIS AND DEMANDS 1. Immediate Deletion Required Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a consumers file is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete that information from the file. 
XXXX. No Reinsertion Allowed Without Notice Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information is deleted, it may not be reinserted without certification of accuracy from the furnisher and written notice to me within XXXX business days. Failure to comply is unlawful. 
XXXX. Consumer Harm Due to these fraudulent accounts, I have suffered financial losses, denial of credit opportunities, and emotional distress. Courts have repeatedly recognized consumer harm in similar cases : XXXX v. TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), affd in part, XXXX XXXX XXXX XXXX ( XXXX ) recognizing damages from inaccurate reporting. 
XXXX v. Equifax Information Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) highlighting CRA liability for failing to correct disputed inaccuracies. 
XXXX. CFPB Oversight Since the CFPB is charged with regulating credit bureaus and enforcing consumer protection laws, I am formally requesting oversight of this matter to ensure strict compliance with federal law. 

DEMAND FOR ACTION You are hereby demanded to : Delete immediately the fraudulent accounts identified in my FTC Identity Theft Report. 
Provide written confirmation of deletion within XXXX ( XXXX ) business days of receipt of this letter. 
Refrain from any reinsertion of these accounts without full compliance with FCRA reinsertion laws. 

Failure to comply will leave me no choice but to pursue civil litigation for damages, including statutory, punitive, and attorneys fees, under 15 U.S.C. 1681n and 1681o. 

This letter serves as official notice. I expect full compliance. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Copy of Government-Issued ID Proof of Address

Company response to consumer: Closed with non-monetary relief