Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX State highway XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Telephone : ( XXXX ) XXXX Equifax P.O XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Data Breach URGENT Request for Fraudulent Account Removal Pursuant to FCRA 605B Violations Dear Equifax Dispute Department , I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer redit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent.

Additionally, I have also filed a CFPB, FTC report complaint requestig that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint.

Furthermoe, the continued reporting of these fraudulent accounts and inquiries is not only a violation of the Fair Credit Reporting Act, but also a direct contributor to financial injury, defamation of character, and negligent enalement of identity fraud. I never received any written notice within five days regarding these accounts as required under ( 15 U.S.C. 1692g ), nor have I ever acknoledged or validated this debt.

Be advised that I have submitted complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney General 's Office, and the Better Business Bureau regarding this matter.

If these accounts are not removed, or if I do not recive a proper investigation outcome and documentation immediately, I will pursue legal remedies including but not limited to : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury 5. Penalty of Perjury 6. Violations of ( 15 U.S.C. 1692g, 1692a ) 7. Violation of Permissible Purpose ( 15 U.S.C. 1681b ) 8. Misleading and False Reporting ( 15 U.S.C. 1681s-2 ( b ) ) This letter is formally written by me, XXXX XXXX XXXX XXXX and not by a third party or representative. STOP STALLING AND REMOVE THE FRADULENT ACCOUNTS! 

The following accounts are fraudulent and inaccurate : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Balance : {$20000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Balance : {$27000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : XXXX XX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX The following employer information is inaccurate and should also be removed : XXXX. XXXX XXXX XXXX XXXX Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint Copy of Data Breach Attorney General Letter Better Business Bureau Complaint Copy of FCRA 605B Copy of Experian Lawsuit I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifaxblock all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within four ( 4 ) business days of receipt of this letter and the attached documentation. Experian already got hit with a lawsuit for failing to follow the FCRAdont make the same mistake. You been warned, dont play with my rights or youll be next in line. Fix it immediatly or deal with the consequences. I request written confirmation of the removal and blocking of these accounts and inquiries within four ( 4 ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief