Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : FINAL NOTICE Violations of the Fair Credit Reporting Act ( FCRA ), Failure to Remove Fraudulent Addresses, Failure to Block Identity-Theft-Related Accounts, and Continued Reporting of Unverified Debts To Whom It May Concern : This letter serves as my Second and Final Notice of Intent to Sue Equifax Information Services LLC for multiple and ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and all applicable federal consumer protection laws. Despite numerous written notices, Equifax has refused to correct inaccurate personal identifying information, has failed to block identity-theft-related accounts, and has continued to report unverified and fraudulent accounts that do not belong to me. 

I. FAILURE TO CORRECT INACCURATE ADDRESS INFORMATION I have repeatedly informed Equifax that the only correct address belonging to me is : XXXX XXXX XXXX, XXXX, Florida XXXX Equifax has failed to delete multiple fictitious and incorrect addresses that do not belong to me and were added as a result of identity theft and mail diversion following the Equifax and XXXX  data breaches. 
Applicable Law Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency must conduct a reasonable reinvestigation when the accuracy of information is disputed.

Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy of the information in my file. 
Equifax has violated both statutory duties. 
Penalties Under 15 U.S.C. 1681n and 1681o, Equifax is liable for : Actual damages, Statutory damages, Punitive damages, and Attorneys fees and costs. 



XXXX. IDENTITY THEFT FAILURE TO BLOCK FRAUDULENT ACCOUNTS WITHIN XXXX BUSINESS DAYS I reported identity theft to Equifax and provided documentation, including my identity theft police report filed with the XXXX XXXX XXXX Department in XXXX, Florida. 
Under the FCRA Identity Theft Procedures, Equifax is legally required to block identity-theft-related information within XXXX business days of receiving : Proof of identity A police report A statement identifying which information results from identity theft Applicable Law Under 15 U.S.C. 1681c-2 ( a ) & ( b ) ( FCRA Blocking of Information Resulting from Identity Theft ), a consumer reporting agency must block identity-theft-related information within XXXX ( XXXX ) business days. 
It does not have the right to delay blocking while conducting an investigation. 
Equifax is in direct violation of this statute. 

XXXX. CONTINUED REPORTING OF FRAUDULENT ACCOUNTS The following accounts do not belong to me, were opened without my authorization, and must be immediately removed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) These accounts were opened due to identity theft and mail diversion resulting from the data breaches. I never applied for, authorized, nor opened any account with these entities. 
Equifax has continued reporting these accounts despite : My identity theft report My written disputes My request for immediate blocking The creditors failure to produce any legally required documentation validating the debts XXXX. DEBT VALIDATION REQUESTS SENT TO CREDITORS & COLLECTORS ( FDCPA RIGHTS ) I sent formal debt validation letters to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank ( through its collecting entity ) Required Components of Debt Validation ( FDCPA 809 / 15 U.S.C. 1692g ) Under federal law, I am entitled to receive : Proof that the debt is mine The name and address of the original creditor A copy of the original contract or application containing my wet signature All account-opening documentation All documents showing the identification used to open the account Evidence that the debt was legally assigned or transferred A full accounting and itemization of charges More than XXXX  days have passed, and none of these entities provided any validation, which means they are prohibited from reporting, collecting, or communicating the debt. 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher can not report information it knows or should know is inaccurate.

Under 1681s-2 ( b ), once disputed, the furnisher must investigate and report accurate results to the CRA. 
Equifax must delete any debt that can not be validated, which applies to all XXXX accounts listed above. 

V. FAILURE TO PROVIDE REQUIRED NOTICE BEFORE REPORTING NEGATIVE INFORMATION Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), a creditor must provide written notice to a consumer before furnishing negative information to a credit bureau XXXX 
I never received any notice because : The accounts were fraudulent My mail was diverted to addresses that were not mine I was a victim of identity theft I have no contractual relationship with any of these entities Therefore, all reporting by these creditors constitutes an additional FCRA violation. 

VI. DEMAND FOR IMMEDIATE ACTION BEFORE LITIGATION Pursuant to federal law, I demand that Equifax within XXXX business days : XXXX. Update My Address Immediately Delete all inaccurate addresses and leave ONLY : XXXX XXXX XXXX, XXXX, Florida XXXX XXXX. Permanently Remove All Fraudulent Accounts This includes : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Block All Identity Theft Information Under 15 U.S.C. 1681c-2 This block must occur immediately and remain permanent. 
XXXX. Provide Written Confirmation of These Deletions I require a new copy of my corrected credit report sent via mail to the correct address above. 

XXXX. NOTICE OF PENDING LITIGATION If Equifax fails to comply within XXXX ( XXXX ) business days, I will file lawsuits in : XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Florida, and Any additional courts with proper jurisdiction Seeking : Statutory damages Actual damages Punitive damages Attorneys fees XXXX costs All relief authorized under 15 U.S.C. 1681n, 1681o, and 1681c-2 XXXX. RESERVATION OF RIGHTS Nothing in this letter constitutes a waiver of any rights or remedies under federal or state law Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation