Consumer complaint received 2025-07-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX * * Consumer Financial Protection Bureau XXXX CFPB ) * * 1700 G Street, NW Washington XXXX DC 20552 * * RE : FORMAL DISPUTE - IDENTITY THEFT ACCOUNTS * * * * XXXX : XXXX * * XXXX : XX/XX/XXXX Dear Sir/Madam : I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of identity theft stemming from the National Public Data breach and previous Equifax data breach . My personal information was compromised in these breaches, leading to unauthorized accounts being opened in my name. 

# # ACCOUNTS TO BE PERMANENTLY DELETED I demand the immediate and permanent deletion of the following fraudulent accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL BASIS FOR DISPUTE This dispute is made under the following consumer protection laws : * * Fair Credit Reporting Act ( FCRA ) : * * - * * 15 U.S.C. 1681 ( o ) * * - Requires accurate reporting and gives consumers rights to dispute inaccurate information- * * 15 U.S.C. 1681b * * - Permissible purposes for consumer reports and requirements for accuracy - * * 15 U.S.C. 1681b-2 * * - Duties of furnishers of information to consumer reporting agencies- * * 15 U.S.C. 1681c * * - Requirements for reporting obsolete information- * * 15 U.S.C. 1681e ( b ) * * - Requires following reasonable procedures to assure maximum possible accuracy- * * 15 U.S.C. 1681i * * - Procedure in case of disputed accuracy requiring reinvestigation * * Identity Theft Protection : * * - * * 18 U.S.C. 1028A * * - Aggravated identity theft provisions- * * 15 U.S.C. 1681c-2 * * - Block of information resulting from identity theft * * Additional Consumer Protection Laws : * * - * * Fair Debt Collection Practices Act ( FDCPA ) * * - 15 U.S.C. 1692 et seq.

- * * Truth in Lending Act ( TILA ) * * - 15 U.S.C. 1601 et seq.

- * * Equal Credit Opportunity Act ( ECOA ) * * - 15 U.S.C. 1691 et seq. 

# # EVIDENCE OF IDENTITY THEFT XXXX. I was confirmed as affected by the National Public Data breach ( documentation attached ) 1. I was previously affected by the Equifax data breach XXXX. I do not recognize these accounts and did not authorize their opening XXXX. These accounts were opened using my compromised personal information # # DEMANDS Under federal law, I demand that you : XXXX. * * IMMEDIATELY REMOVE * * all fraudulent accounts listed above from my credit report XXXX. * * BLOCK * * these accounts under 15 U.S.C. 1681c-2 as identity theft accounts 1. * * PROVIDE WRITTEN CONFIRMATION * * of removal within XXXX  days 1. * * NOTIFY ALL PARTIES * * who received my credit report in the past 6 months of these corrections XXXX. * * INVESTIGATE * * how these fraudulent accounts were allowed on my report despite known data breaches # # NOTICE OF INTENT Please be advised that : - Failure to remove these fraudulent accounts may result in legal action- I am prepared to file complaints with regulatory agencies including the CFPB, FTC, and state attorney general - I will pursue all available remedies under federal and state law - This letter serves as formal notice of identity theft under applicable statutes # # RESPONSE REQUIRED I expect your complete written response within XXXX  days of receipt of this letter, including : - Confirmation of account deletions- Updated credit report showing removals - Documentation of notifications sent to credit grantors Please provide all correspondence in writing. Do not contact me by telephone regarding this matter. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief