Consumer complaint received 2025-01-31 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: MS

Complaint narrative:
Subject : XXXX Department, Request for Immediate Blocking and Removal of Fraudulent Accounts Under FCRA XXXX XXXX Dear Fraud Department, I am writing to formally dispute negative items on my credit report that is resulting from identity theft, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) section XXXX ( XXXX XXXX. section XXXX ), I am requesting that you immediately block and remove the fraudulent accounts and related negative items from my credit file. 
Details of Fraudulent Items : EQUIFAX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off- Balance {$550.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Installment Payment summary XXXX JanCOCO -- - FebCOCO -- - MarCOCO -- - AprCOCO -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX XXXX -- PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$1200.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Account Terms 12 Months XXXX XXXX XXXX XXXX XXXX XXXX Comments CHARGED OFF ACCOUNT LEASE-EARLY TERMINATION / MERCHANDISE RETURNED BEFORE THE END OF THE TERM. 
Your statement - Contact info Address NEW YORK, NY XXXX Phone number ( XXXX ) XXXX XXXX OF XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off- Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$0.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status not more than XXXX payments past due Status updated XX/XX/XXXX Past due amount - Original balance $ 0 Monthly payment - Last payment date XX/XX/XXXX TN XXXX HUMAN SVCS-C XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off- Balance {$84000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX C - XXXX C - Nov-C Dec-C PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$1100.00} Original balance - Monthly payment {$550.00} Last payment date XXXX XXXX, XXXX TN XXXX HUMAN SVCS-C XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off- Balance {$75000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Dec-C PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$1400.00} Original balance - Monthly payment {$280.00} Last payment date XX/XX/XXXX XXXX XXXX LLCOriginal creditor : CASHNETUSA Balance details 0 % paid off Balance {$940.00} Balance updated XX/XX/XXXX Original balance {$940.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX Account type Open Account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments COLLECTION ACCOUNT - Name XXXX XXXX XXXX Address XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 58 % paid off Balance {$550.00} Balance updated XX/XX/XXXX Original balance {$1300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Lease Payment summary XXXX JanCOCO- Feb-CO- Mar-COCO Apr-COCO May-COCO Jun-COCO XXXX XXXX XXXX Oct-COCO Nov-COCO Dec-COCO PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Original balance {$1300.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 12 Months XXXX sold - Original creditor - Comments Early termination/balance owing TN CHILD SUPPORT XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off- Balance {$69000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Child Support Payment summary XXXX XXXX XXXX XXXX Apr- May- Jun- Jul- Aug- Sep- Oct- Nov- Dec- PAYMENT HISTORY LEGEND Status Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$18000.00} TN CHILD SUPPORT XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off- Balance {$75000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Child Support Payment summary XXXX XXXX XXXX XXXX Apr- May- Jun- Jul- Aug- Sep- Oct- Nov- Dec- PAYMENT HISTORY LEGEND Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2200.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 XXXX XXXX OF XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off- Balance {$91000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$91000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$91000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month XXXX XXXX XXXX creditor : XXXX CASHNETUSA Balance details 0 % paid off Balance {$940.00} Balance updated XX/XX/XXXX Original balance {$940.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection - Your statement According to FCRA section XXXX, credit reporting agencies must block fraudulent information within XXXX ( XXXX ) business days of receiving a request, provided the victim submits the required documentation. I have included the following documents to support my claim : XXXX. A copy of my government-issued ID ( drivers license ) XXXX. A copy of my utility bill XXXX. A copy of my FTC Identity Theft Report XXXX. A detailed statement identifying the fraudulent accounts XXXX. A copy of the relevant section of the FCRA ( section XXXX ) for your reference Since I did not authorize these accounts, they must be immediately removal from my credit file. Please confirm in writing once these items have been permanently blocked and removed. Additionally, I request an updated copy of my credit report reflecting these changes. 
We acknowledge the situation of your history of FAILURE to properly investigate data that are being furnish on consumers report such as mines, to ensure maximum accuracy data or information before being reported on a consumer report according to FCRA XXXX XXXX XXXX. section XXXX ( XXXX ) ( B ). 
Thank you for your prompt attention to this matter. I expect a response confirming compliance within XXXX ( XXXX ) business days. If you require any additional information, please contact me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief