Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
To Whom It May Concern, I am formally disputing several inaccurate, derogatory, and fraudulent entries currently appearing on my credit file. These items are damaging my credit standing and financial reputation.

Under FCRA 605B, you are legally obligated to block and remove fraudulent accounts and inquiries within four ( 4 ) business days of receipt of this dispute and supporting identification. You must also notify furnishers that these items were reported as identity theft and must not be pursued or reinserted.

Additionally, under FCRA 609 ( a ) ( 1 ), any names or addresses not matching my legal identity must be deleted immediately. The only correct identifying information is : Name : XXXX XXXX XXXX Accounts to be Removed or Corrected 1. XXXX XXXX XXXX  XXXX XXXX ( o Date Opened : XX/XX/XXXX o Balance : {$11000.00} | Past Due : {$420.00} o Status : Reporting 30 Days Late as of XX/XX/XXXX o Dispute : Inaccurate late reporting. Must be corrected to Paid/Current with all derogatories deleted. 
2. XXXX XXXX  o Date Opened : XX/XX/XXXX o Balance : {$1500.00} ( charged off ) o Status : Charged Off / Collection o Dispute : Fraudulent and unauthorized. Must be deleted entirely. 
3. XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} ( paid after charge-off, still derogatory ) o Status : Reporting as Charge-Off / Derogatory o Dispute : False and damaging. Must be removed completely. 
4. XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Credit : {$520.00} | Balance : {$0.00} o Status : Closed / Paid, still showing derogatory lates ( XX/XX/XXXX ) o Dispute : Paid in good standing. All negative history must be deleted. 
5. XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o High Credit : {$520.00} | Balance : {$0.00} o Status : Closed / Paid, still showing derogatory lates ( 30/60 ) o Dispute : Paid in good standing. All derogatories must be removed. 

Inquiries to Be Deleted ( Unauthorized / Fraudulent ) Dept of ED XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX XXXX TransUnion ) XXXX XXXX XXXX  ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XX/XX/XXXX ( Equifax ) These inquiries were not authorized by me. Under FCRA 604 ( a ) ( 2 ) and 605B, they must be blocked and removed immediately.

Data Breaches Supporting Fraud Risk The disputed items fall within the timeframe of several major data breaches that exposed consumer personal information and heightened the likelihood of identity theft : 1. XXXX Breach ( XX/XX/XXXX ) Exposed data of XXXX XXXX prospective customers and XXXX XXXX existing postpaid customers, including SSNs, dates of birth, and drivers license/ID numbers. 
2. Experian Security Glitch ( XXXX XXXX ) Allowed attackers to access full credit reports using only basic identifiers. 
3. Change XXXX / XXXX Breach ( XX/XX/XXXX ) Exposed the personal and medical data of over XXXX XXXX Americans. 
4. Equifax ( XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
5. XXXX / Experian ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
6. XXXX  XXXX ( XXXX ) : Included personal and financial data of XXXX XXXX individuals. 

Given these breaches, it is clear that fraudulent and inaccurate reporting may have resulted from compromised personal data.

Demand for Immediate Action Block and remove all disputed accounts and inquiries within 4 business days of receipt ( no later than XX/XX/XXXX ) under FCRA 605B.

Remove all inaccurate names and addresses not matching my verified information.

Provide written confirmation and updated copies of my credit reports showing these corrections.

Failure to comply will result in formal complaints with the CFPB, FTC, Illinois Attorney General, and other regulatory agencies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief