Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Credit Bureau XXXX Department * * Equifax P.O.Box XXXX XXXX, GA, XXXXXXXX XXXX XXXX RE : DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS FEDERAL RIGHTS INVOKED ( FCRA Violations, Identity Theft, XXXX XXXX  Data Breach ) * * To Whom It May Concern : This letter serves as a * * formal, urgent, and legally binding dispute * * of fraudulent accounts appearing on my credit file. I am a direct victim of the XXXX XXXX XXXX XXXX  data breach XXXX XXXX, during which my personal data was unlawfully exposed and used by criminals to open accounts in my name. 
Let me be explicitly clear : * * I did not authorize, open, or benefit from any of the disputed accounts. They are fraudulent, and you are now on legal notice. XXXX XXXX You are required under federal law to ensure the maximum possible accuracy of the information you report. Maintaining fraudulent accounts on my reportafter being notifiedconstitutes XXXX XXXX willful and negligent violations of the Fair Credit Reporting Act * *, including but not limited to : * * XXXX5 U.S.C. 1681e ( b ) * * Failure to follow reasonable procedures to assure maximum accuracy.

* * 15 U.S.C. 1681i ( a ) * * Failure to conduct a prompt, reasonable, and meaningful reinvestigation.

* * 15 U.S.C. 1681c2 * * Failure to block identity-theft-related information upon request.

You are hereby * * demanded * * to permanently delete and block the fraudulent accounts * * within XXXX ( XXXX ) days * * of receiving this letter. Failure to meet this deadline will demonstrate noncompliance and badfaith handling of an identitytheft dispute. 

* * Supporting Case Law ( Establishing Your Liability ) : * * * * Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) * * Credit bureaus must conduct * meaningful * reinvestigations or face liability. 
* * Dennis v. BEH1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) * * Bureaus may be held liable for failing to follow reasonable accuracy procedures.

* * Millstone v. O'Hanlon Reports , Inc., 528 F.2d 829 ( 8th Cir. 1976 ) * * Establishes liability for negligent reporting of inaccurate information. 
Because these fraudulent accounts were created as a direct result of the TransUnion breach, you now have full legal notice. Any failure to promptly remove the information may constitute * * willful FCRA violations * *, which entitles me to pursue damages, including : Actual damages Statutory damages Punitive damages Attorneys fees and court costs If the fraudulent accounts are not deleted within the required four-day window, I will proceed with formal complaints to the * * Consumer Financial Protection Bureau XXXX CFPB ) * *, * * Federal Trade Commission ( FTC ) XXXX *, and my XXXX XXXX XXXX, and will consider pursuing civil action. 
Please provide written confirmation once the fraudulent information has been deleted and provide an updated copy of my corrected credit report. 
This serves as your final notice before escalation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief