Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
IDENTITY THEFT BLOCK REQUEST FCRA 605C / 15 U.S.C. 1681c-2 Final Demand to Block and Remove Fraudulent Accounts From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XXXX XXXX Date : XXXXXXXX  To : XXXX. XXXX XXXX, TX XXXX EquifaxXXXX XXXX XXXXXXXX, GA XXXX TransUnionXXXX  XXXX XXXX, PA XXXX RE : Identity Theft Block Request Under FCRA XXXX Permanent Removal of Fraudulent Accounts Due to Identity Theft and Data Breaches To Whom It May Concern, This is a formal written request pursuant to FCRA 605C / 15 U.S.C. 1681c-2, demanding the immediate and permanent blocking of specific fraudulent information appearing on my credit report. These accounts are the result of identity theft, and in some cases hav

e occurred in the aftermath of widely reported data breaches including those affecting your own systems. Under FCRA 605C, a consumer reporting agency must block any information alleged to be the result of identity theft within 4 business da
ys of receiving : 1. A police report or identity theft report filed with a law enforcement agency, 2. A valid proof of identity, and 3. A written statement from the consumer identifying the fraudulent information and requesting the block. 
I am now submitting all three required items : * A copy of my police report and/or FTC Identity Theft Report, * A copy of my government-issued photo ID and proof of current address, * This written request identifying the fraudulent accounts listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XXXXXXXX  {$24000.00} Fraudulent Account to Be Blocked and Remove These accounts were not opened by me, not authorized by me, and are the direct result of identity theft and/or personal information compromised in a known data breach. I am invoking my rights under : * FCRA 605C / 15 U.S.C. 1681c-2 Block of information resulting from identity theft * FCRA 611 / 15 U.S.C. 1681i Right to dispute inaccurate information * FACTA ( Fair and Accurate Credit Transactions Act ) Identity theft protections * 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance You Are Legally Required To : * Block all listed fraudulent accounts from my credit file within 4 business days of receipt of this request.

* Refrain from re-inserting this information into my credit file unless you receive a certification of accuracy from the furnisher AND provide me written notice within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ).

* Provide written confirmation that these accounts have been permanently removed from my credit report. 

If you fail to comply with this legal requirement, I will take immediate legal action under federal and state consumer protection laws, including but not limited to : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office * Filing a civil lawsuit seeking statutory, actual, and punitive damages for noncompliance * Requesting injunctive relief and recovery of attorneys fees This is your final notice. I expect full compliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation