Consumer complaint received 2025-05-19 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:
IDENTITY THEFT BLOCK REQUEST FCRA XXXX / XXXX XXXX. XXXX Final Demand to Block and Remove Fraudulent Accounts From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX To : ExperianXXXX XXXX XXXX, TX XXXX EquifaxP.O. XXXX XXXX, GA XXXX TransUnionP.O. XXXX XXXX, PA XXXX RE : Identity Theft Block Request Under FCRA XXXX Permanent Removal of Fraudulent Accounts Due to Identity Theft and Data Breaches To Whom It May Concern, This is a formal written request pursuant to FCRA XXXX / XXXX XXXX. XXXX, demanding the immediate and permanent blocking of specific fraudulent information appearing on my credit report. These accounts are the result of identity theft, and in some cases have occurred in the aftermath of widely reported data breaches including those affecting your own systems. 
Under FCRA XXXX, a consumer reporting agency must block any information alleged to be the result of identity theft within XXXX business days of receiving : XXXX. A police report or identity theft report filed with a law enforcement agency, XXXX. A valid proof of identity, and XXXX. A written statement from the consumer identifying the fraudulent information and requesting the block. 
I am now submitting all three required items : * A copy of my police report and/or FTC Identity Theft Report, * A copy of my government-issued photo ID and proof of current address, * This written request identifying the fraudulent accounts listed below. 

Fraudulent Account to Be Blocked and Removed : XXXX XXXX XXXX {$3000.00} # XXXX opened XXXX, XXXX XXXX {$590.00} # XXXX opened XXXX, XXXX XXXX XXXX {$2300.00} # XXXX opened XXXX, XXXX XXXX XXXX {$4900.00} # XXXX opened XXXX, XXXX XXXX XXXX  {$1600.00} # XXXX opened XXXX, XXXX XXXX {$320.00} # XXXX opened XXXX, XXXX XXXX {$76000.00} # XXXX opened XXXX. 
These accounts were not opened by me, not authorized by me, and are the direct result of identity theft and/or personal information compromised in a known data breach. I am invoking my rights under : * FCRA XXXX / XXXX XXXX. XXXX XXXX of information resulting from identity theft * FCRA XXXX / XXXX XXXX. XXXX Right to dispute inaccurate information * XXXX ( Fair and Accurate Credit Transactions Act ) Identity theft protections * XXXX XXXX XXXX and XXXX Civil liability for willful and negligent noncompliance You Are Legally Required To : * XXXX all listed fraudulent accounts from my credit file within XXXX business days of receipt of this request. 
* Refrain from re-inserting this information into my credit file unless you receive a certification of accuracy from the furnisher AND provide me written notice within XXXX business days ( FCRA XXXX ( a ) ( XXXX ) ( B ) ). 
* Provide written confirmation that these accounts have been permanently removed from my credit report. 

If you fail to comply with this legal requirement, I will take immediate legal action under federal and state consumer protection laws, including but not limited to : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office * Filing a civil lawsuit seeking statutory, actual, and punitive damages for noncompliance * Requesting injunctive relief and recovery of attorneys fees This is your final notice. I expect full compliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation