Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To : Equifax Information Services XXXX XXXX. XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Fraudulent Accounts & Inquiries Identity Theft Resulting from Equifax & XXXX XXXX Breaches To Whom It May Concern, I am demanding the immediate investigation and removal of fraudulent accounts, inquiries, and any information on my credit file that is the result of identity theft stemming from the Equifax and XXXX data breaches. My sensitive personal information was compromised due to these breaches, and under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., you are legally obligated to protect my consumer file and ensure only accurate, verifiable, and lawfully obtained information is reported. 
The disputed items include ( but may not be limited to ) : * XXXX {$18000.00} opened XXXX, XXXX XXXXXXXX Bank {$1800.00} # XXXX opened XXXX, XXXX XXXXXXXX Bank {$1200.00} # # XXXX opened XXXX, XXXX Bank {$8000.00} # XXXX opened XXXX, XXXX {$5200.00} # XXXX opened XXXX, XXXX {$4400.00} # XXXX opened XXXX, XXXX {$8200.00} # XXXX opened XXXX, XXXX {$54000.00} # XXXX opened XXXX, XXXX {$9600.00} # XXXX opened XXXX, XXXX {$20000.00} # XXXX XXXX, XXXX XXXX {$13000.00} # XXXX opened XXXX, XXXX {$1900.00} # XXXX XXXX, XXXX XXXX  {$32000.00} # XXXX opened XXXX XXXX Bank {$65000.00} XXXX XXXX opened XXXX, XXXX XXXX XXXX  {$190.00} # XXXX XXXX. 
This is an official notice under : * FCRA 605B ( 15 U.S.C. 1681c-2 ) : You are required to block and permanently remove any information that I identify as resulting from identity theft, upon receipt of this letter and my identity theft statement. 
* FCRA 611 ( 15 U.S.C. 1681i ) : You must conduct a reasonable investigation and delete or correct all disputed information that can not be verified within the statutory timeframe. 
* FCRA 623 ( 15 U.S.C. 1681s-2 ) : Data furnishers are prohibited from reporting inaccurate information, and you are prohibited from re-reporting information that has been deleted unless certified as accurate. 
Because my private data was stolen and misused due to these breaches, you are on full legal notice that any failure to block and delete these fraudulent accounts will be considered a willful violation of federal law. Re-inserting disputed or unverifiable information without proper certification is illegal under FCRA 611 ( a ) ( 5 ) ( B ).

If you do not comply, I am fully prepared to pursue legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, as well as pursuing civil action for statutory damages, actual damages, attorneys fees, and punitive damages under FCRA 616617. 
I demand written confirmation within 30 days that all fraudulent and unverifiable information has been permanently deleted from my credit file. 
Enclosed are copies of : * My government-issued ID * Proof of address * My FTC Identity Theft Report / police report ( if applicable ) You are hereby instructed to act in full compliance with federal law. Failure to do so will result in immediate legal escalation. 
Sincerely, XXXX XXXX XXXX SSN XXXX DOB XXXX Enclosures : ID, Proof of Address, FTC/Police Report

Company response to consumer: Closed with explanation