Consumer complaint received 2025-10-17 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: TX

Complaint narrative:
b'I am reporting a case of identity theft and unauthorized access to personal and financial informationXXXX XXXX XXXX XXXX  I discovered that an individual identified as XXXX XXXX, in collusion with or through XXXX XXXX XXXX accessed my personal identifying information including, but not limited to, my Social Security Number and\ncredit profile, without my knowledge or consent. My information was exposed in multiple data breeches. My information was\ncompromised in breech with both CRA TransUnion and Equifax. Accounts were fraudulently opened in my name using this\nstolen information. Student Loans, Auto Loans and other loans were opened in my name. At no time did I authorize or give\npermission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other bank permission\nto access, obtain, or use any part of my personal, financial, or credit information, Yet these parties opened fraudulent\naccounts using my personal information to open accounts of XXXX XXXX XXXX  These accounts are fraudulent. I have\nnever applied for, opened, or benefited from any credit account or service associated with either party.Details of Violations:1.\nIdentity TheftUnder 18 U.S. Code 1028 and applicable state identity theft statutes, the unauthorized acquisitionXXXXTransUnion /Equifax/ XXXX\nRe: Immediate Block / Deletion Demand under FCRA 605B (15 U.S.C. 1681c-2)  Fraudulent / \nIdentity-Theft / Data-Breach Accounts\nConsumer: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXReport reference (CR or file) #: [report/report number if available]\nTo Whom It May Concern:\nThis is a formal demand under the Fair Credit Reporting Act, 605B (15 U.S.C. 1681c-2). I have \nidentified the following information on my file that resulted from identity theft and/or unlawful \nuse of my personal data following known data breach(s). The items listed below are NOT mine and \nmust be blocked and deleted immediately from my file.\nAccount / Item(s) to BLOCK and DELETE (circle / highlight on enclosed credit report):\n1. Creditor / Furnisher: XXXX XXXX XXXX XXXX XXXX  Reported as: \nCollections(TransUnion) Date reported: XXXX. Creditor / Furnisher: XXXX XXXX XXXX XXXX XXXX XXXX  Reported as: XXXX (TransUnion, Equifax) Date reported: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as: XXXX  (Equifax) \nDate ReportedXXXXI assert the above is the result of identity theft and/or unauthorized use of my personal \ninformation following a data breach. BY THIS LETTER I PROVIDE THE DOCUMENTATION REQUIRED BY LAW to \nsupport my request and to trigger your statutory obligations under\n605B. You are required to act promptly\n\n  15 U.S.C. 1681c-2 (FCRA 605B) (attached) showing the requirement to block \ninformation resulting from identity theft and to notify furnishers.\nLegal Demand: Under 15 U.S.C. 1681c-2 you must block the reporting of the information I have \nidentified within the statutory time and notify the furnisher. If you fail to block and\ndelete the fraudulent information immediately, I will pursue all available remedies under federal \n This is not a request  it is a statutory demand.\nFurther: If you forward my dispute to a furnisher, the furnisher must have a duty to investigate \nand correct or remove the information. If the furnisher cannot prove the account is mine with \ncontemporaneous signed documentation and lawful proof of\nauthorization, the account must be removed. I demand a full chain-of-custody / proof-of- \nauthorization for each disputed account (signed account application, IP logs showing my authorized \naccess, copies of original signed contracts, etc.) within 30 days of this notice. If the furnisher \nrefuses to provide proof, the account must be removed and you must notify me in writing.\nI demand written confirmation  within the statutory period  that you have:\n1. Blocked and removed the fraudulent items from my consumer file;\n2. Notified the furnisher(s) that the information may be a result of identity theft and that a \n605B block has been placed; and\n3. Provided me with a copy of the corrected credit report and documentation of the block action and \nany communications with furnishers.\nI am furnishing copies of documents, not originals. Do not return my enclosures. I am sending this \nletter by certified mail, return receipt requested so there is a record of your receipt and your \nlegal obligations are triggered.XXXX XXXX XXXX XXXX  (list each item you include  ID, proof of address, IdentityTheft.gov report / police \nreport, credit report with items circled, copy of 15 U.S.C. 1681c-2, any correspondence from the \ndata breach, etc.)'

Company response to consumer: Closed with non-monetary relief