Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
XX/XX/year> Equifax Consumer Services LLC Executive Consumer Relations XXXX XXXX XXXX XXXXXXXX, GAXXXX XXXX RE : FORMAL DISPUTE - IDENTITY THEFT ACCOUNTS REQUEST FOR PERMANENT REMOVAL UNDER FCRA 15 U.S.C. 1681c-2 CONSUMER : XXXX XXXX XXXX XXXX CC : Federal Trade Commission XXXX Consumer Financial Protection Bureau XXXX XXXX To Whom It May Concern : I am writing to formally dispute fraudulent accounts appearing on my XXXX  credit report as a result of identity theft. This correspondence serves as my official notice under the Fair Credit Reporting Act ( FCRA ) demanding immediate action regarding accounts that I categorically deny as legitimate. 

* * FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE REMOVAL : * * XXXX. * * XXXX XXXX * * - Account Balance : {$24000.00} XXXX. * XXXX XXXXXXXX XXXX XXXX XXXXXXXX * * - Account Balance : {$9900.00} * * IDENTITY THEFT DECLARATION : * * I unequivocally state that I have never : - Applied for, opened, or authorized these accounts - Received any goods, services, or benefits from these accounts - Made any payments or had any contact with these creditors - Given permission to anyone to open these accounts in my name These accounts are the direct result of identity theft perpetrated against me without my knowledge or consent. 

* * CIRCUMSTANCES OF IDENTITY THEFT : * * I recently discovered that my personal identifying information was compromised through multiple major data breaches, including but not limited to breaches involving Equifax, XXXX, and XXXX. These security incidents exposed my Social Security number, date of birth, address, and other sensitive personal information that criminals have subsequently used to fraudulently establish accounts in my name. 

I am currently in the process of completing a Federal Trade Commission Identity Theft Affidavit to document this criminal activity and establish an official record of the identity theft. 

* * LEGAL AUTHORITY AND CONSUMER RIGHTS : * * Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( Block of information resulting from identity theft ), I have explicit rights as an identity theft victim, including : 1. * * Right to Permanent Blocking * * : Upon receipt of appropriate proof of identity theft, you are required to permanently block the reporting of any information that resulted from identity theft and ensure that such information does not reappear on my consumer report. 
1. * * Prevention of Re-insertion * * : You are prohibited from charging any fee for blocking information or for any consumer report provided in connection with the blocking of such information.

1. * * Notification Requirements * * : You must provide written confirmation that the fraudulent information has been blocked and will not reappear on future credit reports.

1. * * Reasonable Procedures * * : You are required to establish reasonable procedures to prevent blocked information from reappearing on consumer reports. 

* * SPECIFIC DEMANDS AND REQUIRED ACTIONS : * * Pursuant to my rights under the FCRA and federal consumer protection laws, I hereby demand that XXXX  immediately : 1. * * PERMANENTLY REMOVE * * the above-listed fraudulent accounts from my credit report 1. * * PERMANENTLY BLOCK * * these accounts from any future reporting under 15 U.S.C. 1681c-2 1. * * PROVIDE WRITTEN CONFIRMATION * * within 30 days that these accounts have been permanently removed and blocked 1. * * NOTIFY ALL PARTIES * * who have received copies of my credit report in the past six months that these accounts have been removed as fraudulent 1. * * IMPLEMENT SAFEGUARDS * * to prevent these fraudulent accounts from reappearing on my credit report in the future 1. * * PROVIDE AN UPDATED * * credit report showing the removal of these fraudulent accounts at no charge * * CONSEQUENCES OF NON-COMPLIANCE : * * Failure to comply with these demands will result in : - Filing complaints with the Federal Trade Commission and Consumer Financial Protection Bureau - Potential legal action for willful non-compliance with the FCRA - Documentation of violations for regulatory enforcement actions- Claims for actual and statutory damages as provided under federal law * * URGENCY AND TIMEFRAME : * * This matter requires immediate attention as these fraudulent accounts are : - Causing substantial damage to my credit profile and credit scores- Preventing me from obtaining legitimate credit and financial services - Creating ongoing financial harm and distress - Potentially exposing me to debt collection activities for debts I do not owe I expect full compliance with this request within 30 days of receipt of this letter, as required by federal law. 

* * RECORD KEEPING : * * Please be advised that I am maintaining detailed records of all correspondence and actions related to this identity theft matter. This letter and your response will be documented for potential regulatory review and legal proceedings if necessary. 

I appreciate your immediate attention to this serious matter and look forward to receiving written confirmation that the fraudulent accounts have been permanently removed and blocked from my XXXX  credit report. 

Should you require any additional information or documentation to process this request, please contact me immediately at the phone number or email address listed above. 

Thank you for your prompt compliance with federal consumer protection laws and your assistance in resolving this identity theft matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief