Consumer complaint received 2025-07-16 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:
XXXX XXXX - Equifax Letter XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : * -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries Demand for Immediate Deletion and Cease & Desist Order To Whom It May Concern : My name is XXXX XXXX, and I am writing with urgency to dispute and demand the immediate removal of fraudulent and unauthorized accounts and inquiries reported under my credit profile. This letter serves as both a Formal Identity Theft Report and a Demand to Cease and Desist pursuant to the following federal statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). The accounts and inquiries listed below were not authorized by me and are the result of identity theft. 



FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX Account ending in : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Account ending in : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} CRB ( XXXX XXXX XXXX ) Account Ref : XXXX No relationship or application exists with this entity. 



FRAUDULENT CREDIT INQUIRIES My credit file also contains multiple unauthorized inquiries from entities that I have never interacted with or granted permission to access my credit. These inquiries were not initiated by me and must be immediately removed. 



FACTUAL BASIS FOR DISPUTE XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and CRB have failed to produce any valid contract, signature, or application linking me to the fraudulent accounts. 
No documentation has been provided demonstrating a legitimate relationship between me and these companies. 
My personal identifying information was wrongfully disseminated to XXXX XXXX, XXXXXXXX XXXX and potentially other third-party entities without my authorization, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ).

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is unlawful for furnishers to knowingly report false or inaccurate information. Equifax is required by law to investigate and correct any information found to be unverifiable or erroneous. 



DEMAND FOR ACTION Accordingly, I demand that Equifax take the following immediate actions : 1. Cease and desist all reporting, collection, and third-party sharing related to the fraudulent accounts and inquiries listed above.

2. Permanently delete these accounts and inquiries from my credit file.

3. Notify all consumer reporting agencies of these deletions.

4. Provide written confirmation of full compliance within five ( 5 ) calendar days of receiving this letter.

5. Refrain from sharing my personally identifiable information ( PII ) without express written consent. 



ATTACHED DOCUMENTS FTC Identity Theft Report Copy of Government-Issued ID Documentation of Fraudulent Activity CONSEQUENCES OF NON-COMPLIANCE If Equifax fails to comply with these demands, I will take immediate legal action by : Filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), FTC, and Mississippi Attorney Generals Office Initiating civil litigation for damages under applicable federal and state laws The presence of these fraudulent accounts is causing significant and ongoing harm to my credit profile, and I expect your full cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX : Federal Trade Commission Mississippi Attorney General Consumer Protection Division

Company response to consumer: Closed with non-monetary relief