Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX Subject : Request for Accounts Blocking and Deletion Due to Data Breach Dear Equifax Team , Strawman XXXX XXXX XXXX this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened, personal loans, and hard inquiries.

I am writing to formally dispute and request t
he immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent.

Additionally, I have also filed a CFPB complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint. 
This letter is formally written by myself, XXXX XXXX XXXX, and not by a third party or representative. 
The following accounts are fraudulent and inaccurate : XXXX XXXX Account Number : XXXX Balance : {$4300.00} Date Opened : XX/XX/XXXX XXXX. Regional Acceptance Account Number : XXXX Balance : {$17000.00} Date Opened : XX/XX/XXXX XXXX. UPSTART-FINWISE Account Number : XXXX XXXX Balance : {$4500.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Bank XXXX Account Number : XXXX Balance : {$5000.00} Date Opened : XX/XX/XXXX XXXX. XXXX DESTINY Account Number : XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX. The Bank XXXX Missouri - MI Account Number : XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX XXXX. XXXX Bank Account Number : XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$52000.00} Date Opened : XX/XX/XXXX XXXX. XXXX BXXXX XXXX XXXX  Account Number : XXXX Balance : {$720.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$4200.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$29000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : ( not provided ) These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX The following employer information is inaccurate and should also be removed : 16. CSI I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX block all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within four ( 4 ) business days of receipt of this letter and the attached documentation.

Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill or bank statement for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint Proof of Equifax Data Breach screenshot I request written confirmation of the removal and blocking of these accounts and inquiries within four ( 4 ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX should further information be required. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation