Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Data Breach & Identity Compromise Affecting Inaccurate Accounts on My Consumer Report To Whom It May Concern, I am writing to you under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681e ( b ), 1681s-2, 605 ( b ), the Fair Debt Collection Practices Act ( FDCPA ), and UCC Code 1-308. This letter serves as a formal dispute and notice of potential data breach and identity compromise, regarding the inaccurate and unauthorized accounts listed below. 

These accounts have appeared on my consumer report without my authorization or proper verification, and I am demanding an immediate investigation and permanent removal of the following : DISPUTED ACCOUNTS DUE TO POTENTIAL DATA BREACH JXXXX XXXXXXXX XXXX XXXX Account # : XXXX / XXXX Balance : {$1800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$8800.00} XXXX XXXX XXXX Account # : XXXX / XXXX Balance : {$5000.00} XXXX Account # : XXXX Balance : {$1300.00} Charge-off XXXX XXXX XXXX  Account # : XXXX Balance : {$0.00} Charge-off XXXX Account # : XXXX Balance : {$250.00} Charge-off XXXX Account # : XXXX Balance : {$0.00} Charge-off LEGAL BASIS FOR REMOVAL REQUEST You are hereby notified that under : 15 U.S.C. 1681b ( a ) ( 2 ) : No permissible purpose exists to report or share information that is fraudulent or the result of identity compromise.

15 U.S.C. 1681e ( b ) : Equifax has a legal duty to ensure that all information reported is accurate and verifiable.


15 U.S.C. 1681s-2 ( b ) : Upon notice of dispute, Equifax must reinvestigate within 30 days or delete the information. 15 U.S.C. 605 ( b ) : Information resulting from identity theft or fraud must be blocked and not reported once proper notice is given. 15 U.S.C. 1692g and 1692c : These accounts are not verified by the reporting agencies nor the collectors and may violate communication and collection rules. UCC 1-308 : I reserve all rights without prejudice. I am demanding the immediate deletion of the above-mentioned accounts from my Equifax credit r eport. If these accounts are the result of identity theft, fraud, or a data breachand you can not verify that I authorized or consented to the debtsyou are legally obligated to remove them.

REQUIRED ACTIONS Reinvestigate each account within 4 days and provide written confirmation of deletion.

Do not reinsert any removed item without full compliance with FCRA 611 ( a ) ( 5 ) ( B ).

Failure to respond properly will result in formal complaints being filed with the CFPB, FTC, and the Illinois Attorney Generals Office.

Please mail your written results of the investigation and confirmation of removal to the address listed above. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief