Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX Reporting and Request for Deletion Under UCC and FCRA Provisions To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report resulting from the recent XXXX Data Breach of XX/XX/year>. This breach exposed sensitive personal and financial information, compromising my identity and resulting in unauthorized activity and inaccuracies on my credit file. 
Under Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports if they are victims of identity theft.The Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. Additionally, I invoke the provisions of the Uniform Commercial Code ( UCC ), specifically UCC 1-308, which allows me to reserve my rights and request immediate removal of the inaccurate entries. 
The disputed accounts and items are as follows : XXXX XXXX  Account # XXXX & XXXX XXXX  XXXX Account # XXXX & XXXX Department of EducationXXXX  Account # 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 Accounts # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXX Bank Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed with this letter , you will find the following documentation to support my claim : A copy of my credit report with the disputed items highlighted. 
Documentation proving the breach of my personal data in the XXXX incident. 
A copy of my government-issued ID and proof of residence for verification purposes. 

As required under the FCRA ( 15 U.S.C. 1681i ), I request that you conduct a thorough investigation of these items. If you can not verify their accuracy, they must be promptly deleted from my credit file.

Additionally, under UCC 1-308, I reserve my rights without prejudice and demand full compliance with my dispute, ensuring no further harm arises from the breach. 
I expect a written response within 30 days, as mandated by the FCRA, confirming the results of your investigation and detailing the actions taken. Should this matter not be resolved satisfactorily, I am prepared to escalate my dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies. 
Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require additional information. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief