Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FORMAL DISPUTE REQUEST FOR REMOVAL OF NEGATIVE ITEMS RELATED TO EQUFAX DATA BREACH Dear CFPB Compliance Division, I am writing to formally dispute negative items on my credit report that appear to have resulted from the Equifax XXXX data breach. I did not authorize or contribute to any fraudulent activity that may have led to these derogatory marks, and I am requesting immediate removal of all inaccurate, fraudulent, or unverifiable negative entries arising from this breach. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Section 611 ), I am entitled to dispute any information that is inaccurate or can not be verified, and credit reporting agencies must investigate and delete unverifiable items within 30 days. Additionally, 15 U.S.C. 1681c-2 specifically provides for the protection of consumers affected by identity theft, including fraud alerts, blocked information, and removal of related fraudulent accounts. 

I am formally requesting the CFPBs oversight to ensure that : 1. Equifax removes any negative items on my credit report linked to fraudulent activity stemming from the XXXX data breach. 
2. All credit reporting agencies are notified to update my file and remove any unverifiable, inaccurate, or fraudulent entries.

3. Written confirmation is provided once these actions have been completed. 

Negative Items in Question are listed below : XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple late payments, past-due balance, over-limit usage XXXX XXXX  ( Acct ending XXXX ) Multiple late payments, past-due balance, over-limit usage XXXX XXXX Bank Late payments XXXX XXXX XXXX XXXX XXXX Charge-off , balance inconsistencies XXXX XXXX ( XXXX XXXX Charge-off , purchased by another lender, duplicate reporting XXXXXXXX XXXX No payment history , incomplete/inaccurate reporting XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove these items constitutes willful noncompliance under 15 U.S.C. 1681n and exposes Equifax and reporting agencies to potential civil and statutory liability. I request the CFPBs assistance in ensuring that these inaccuracies are resolved expeditiously. 

Please treat this letter as formal legal notice, and contact me immediately if additional documentation is required to verify that these items are fraudulent and linked to the data breach. 

Respectfully, XXXX XXXX XXXX ( Last Four Digits ) : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief