Consumer complaint received 2025-12-15 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:
AFFIDAVIT OF DISPUTE & FORMAL NOTICE OF IDENTITY THEFT / UNAUTHORIZED REPORTING LEGAL GROUNDS FOR MANDATORY REMOVAL This dispute is asserted pursuant to : FTC 15 U.S.C. 1681c-2 ( Identity Theft Blocking ) FCRA 605B ( 15 U.S.C. 1681c ) These statutes require the immediate blocking and removal of information resulting from identity theft once an FTC Identity Theft Report has been filed. Continued reporting after notice is unlawful. 
Prepared By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/year> Phone : ( XXXX ) XXXX Email : XXXX Date : [ Insert Date ] To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX FORMAL NOTICE IDENTITY THEFT, DATA BREACH EXPOSURE & UNAUTHORIZED USE OF PERSONAL INFORMATION This letter serves as my sworn affidavit and formal notice that I am a verified victim of identity theft, and that Equifax is unlawfully reporting fraudulent and unverified accounts on my consumer file after proper notice was given. 
In addition, my personal identifying information was confirmed as compromised in the Equifax Data Breach, a nationally recognized incident in which sensitive consumer data was exposed. As a direct result of this breach, fraudulent accounts were opened and furnished under my identity without my knowledge, consent, or authorization. 
I have already sent XXXX prior written disputes requesting full verification of the accounts listed below. No documentation, contracts, applications, or validation were ever provided. Despite this, Equifax continues to report these accounts, which constitutes willful noncompliance with federal law. 
I have filed an FTC Identity Theft Report ( FTC Report No. XXXX ), which legally establishes that these accounts are fraudulent and unauthorized. This affidavit is submitted under penalty of perjury and is legally binding. 

NO CONSENT NO AUTHORIZATION I never gave written or verbal consent for any creditor, collector, or third party to : Open these accounts Access my credit report Furnish information under my identity Any reporting without my authorization constitutes identity theft, unauthorized access to consumer data, and unlawful furnishing of information. 

ACCOUNTS REPORTED WITHOUT VERIFICATION XXXX. XXXX XXXX XXXX / Collection Account Number ( Equifax ) : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Status : Placed for Collection This account is fraudulent and is being reported with inconsistent account numbers across the credit bureaus, proving it is not reliably matched, accurately verified, or lawfully validated. No contract, service agreement, billing history, or proof of authorization has ever been produced. 
XXXX. XXXX XXXX XXXX XXXX Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Reported under adverse information This account was never opened by me and is directly tied to the identity theft resulting from my compromised personal information. Continued reporting without validation after notice constitutes ongoing identity theft reporting. 

APPLICABLE LAW ( NON-NEGOTIABLE ) Equifax is currently violating the following statutes : FTC 15 U.S.C. 1681c-2 FCRA 605B ( 15 U.S.C. 1681c ) FCRA 611 ( 15 U.S.C. 1681i ) FCRA 1681e ( b ) FDCPA 1692g & 1692c ( c ) UCC 1-308 DEMAND FOR IMMEDIATE ACTION YOU ARE HEREBY ORDERED TO : 1. DELETE the XXXX XXXX and XXXX XXXX XXXX XXXX accounts immediately 2. BLOCK any future reinsertion under 15 U.S.C. 1681c-2 3. Provide written confirmation of deletion 4. Notify all parties who accessed my credit file in the last XXXX ( XXXX ) months of these corrections FINAL NOTICE If these accounts are not removed within FOUR ( 4 ) BUSINESS DAYS, I will proceed with : CFPB complaints State Attorney General filings Civil litigation for willful noncompliance under 15 U.S.C. 1681n & 1681o This is not a request.

This is lawful notice.

Company response to consumer: Closed with explanation