Consumer complaint received 2025-04-08 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: CT

Complaint narrative:
Dear Credit Bureau Compliance Officer, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, I am formally disputing the validity and accuracy of the following accounts and inquiries currently listed on my credit report. I assert that these accounts and inquiries are the result of identity theft and coercion that occurred during a documented period of domestic abuse and financial control. These items were opened and used without my full knowledge or consent and under duress. 
The following fraudulent or unauthorized accounts must be removed immediately : ________________________________________ XXXX Accounts : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX ________________________________________ Fraudulent Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ These accounts and inquiries are unauthorized and were created during a period of XXXX XXXX XXXX XXXXXXXX XXXX XXXX I was forced, under duress, to provide access to my personal identifying information. As a result, I was not able to exercise full legal consent or financial autonomy. These are violations not only of my civil rights but also protections afforded under the FCRA, FACTA ( Fair and Accurate Credit Transactions Act ), and the Identity Theft and Assumption Deterrence Act.

Legal Grounds for Immediate Deletion : FCRA 15 U.S.C. 1681c-2 : Identity theft victims have the right to block and remove any information resulting from fraud.

FCRA 15 U.S.C. 1681i : Requires credit reporting agencies to reinvestigate any disputed information and remove unverifiable data within 30 days.

FCRA 1681e ( b ) : Mandates that only accurate and verifiable information be reported.

FACTA 112 : Requires consumer reporting agencies to implement procedures for blocking fraudulent information.

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Agencies must treat victims of coercion and abuse with fairness and care in accordance with consumer protection laws.

________________________________________ ACTION REQUIRED : You are hereby required to immediately investigate and delete the above-referenced accounts and inquiries from my credit report. If these entries can not be fully validated within 30 days, as per FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), they must be permanently removed.

This is a formal notice. Please include a copy of the updated report reflecting the removal of these items upon completion of your investigation. Failure to act within the legally required timeline will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals Office, and potentially civil action under FCRA Section 616 and 617, which provides for statutory damages and attorneys fees.

I am prepared to provide documentation, including police reports, affidavits, and support letters from licensed professionals, to substantiate this dispute upon request. 

Sincerely, XXXX XXXX XXXX Last 4 digits : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief