Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
Equifax / XXXXXXXX XXXX XXXXXXXX FCRA Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX SSN XXXXDOB : XXXX Date : XXXX To : Equifax Re : Formal Dispute & Demand for Deletion Under the Fair Credit Reporting Act ( FCRA ) Data Breach Compromise To Whom It May Concern, I am formally disputing the accuracy and legitimacy of accounts and inquiries appearing on my consumer report that are directly linked to the Equifax and XXXX data breaches. As a victim of this breach, my personal identifying information was exposed without my consent, and fraudulent accounts and/or inquiries were created as a result. The accounts are XXXXXXXX XXXX  {$24000.00} XXXX XXXXXXXX opened XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX opened XXXXXXXX 
Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain the maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ). The continued reporting of fraudulent, inaccurate, or unverifiable accounts violates my consumer rights.

Furthermore, under 15 U.S.C. 1681c-2 ( Section 605C ), I am demanding the blocking and permanent removal of all fraudulent tradelines, inquiries, or public records resulting from identity theft and data breaches. I have attached a copy of my self-attestation statement pursuant to FCRA 605C, affirming that these accounts were created as a direct result of fraud and data compromise. 
You are hereby on notice of the following legal obligations : 1. Immediate Investigation ( FCRA 611, 15 U.S.C. 1681i ) : You must conduct a reasonable reinvestigation of the disputed items. Any unverifiable or fraudulent account must be deleted within 30 days.

2. Blocking of Identity Theft Accounts ( FCRA 605C, 15 U.S.C. 1681c-2 ) : Upon receipt of this dispute and my self-attestation, you are required to block and remove all fraudulent information without delay. 
3. Cease Reinsertions Without Certification ( FCRA 611 ( a ) ( 5 ) ( B ) ) : If any deleted item is reinserted, you must provide me with written certification of accuracy from the furnisher, along with immediate notice to me. Failure to comply will constitute a willful violation of the FCRA.

4. Civil Liability ( FCRA 616, 617 ) : Knowingly failing to correct, remove, or blocking inaccurate and fraudulent information exposes you to actual damages, statutory damages, punitive damages, and attorneys fees. 

Demand for Remedy : * Remove/Block all fraudulent accounts, inquiries, and public records linked to the Equifax and XXXX data breaches. 
* Provide written confirmation of deletion/blocking within 30 days. 
* Do not reinsert any disputed items without full compliance with FCRA reinsertion procedures. 
If you continue to report unverifiable or fraudulent information, I will have no choice but to pursue legal remedies, including filing complaints with the CFPB, FTC, and State Attorney General, and initiating a civil lawsuit for damages under the FCRA. 
This letter serves as your official notice. Preserve this record for compliance and litigation purposes. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief