Consumer complaint received 2026-03-03 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: TN

Complaint narrative:
I am issuing this URGENT FINAL DEMAND for the immediate and permanent deletion of fraudulent and unauthorized accounts from my credit file, as mandated by the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ), 1681i ( a ) ( 5 ), Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). My personal information was compromised in a data breach, resulting in the unauthorized reporting of the accounts listed below. You are legally obligated to DELETE THESE ACCOUNTS IMMEDIATELY. Failure to comply within the statutory timeframe will result in legal and regulatory action against the CRAs. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you must block information resulting from unauthorized use within four ( 4 ) business days of receiving a consumers written request accompanied by valid identification. Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified with a legitimate source must be permanently deleted from my credit file. The accounts listed below, stemming from unauthorized use due to a data breach, are unverifiable or unauthorized and must be removed. Section 502 of the GLBA ( 15 U.S.C. 6802 ) prohibits the disclosure of nonpublic personal information without consumer consent, which was not provided for these accounts. Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), your continued reporting of these fraudulent or unauthorized accounts constitutes a false or misleading representation, exposing the CRAs to liability for willful noncompliance. The accounts and inquiries to be deleted are as follows : COLLECTION & DEROGATORY ACCOUNTS : Account : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Status : Compromised in Data Breach, Delete Immediately Account : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Compromised in Data Breach, Delete Immediately Account : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Status : Compromised in Data Breach, Delete Immediately Account : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Status : Compromised in Data Breach, Delete Immediately Account : XXXX XXXX XXXX Account Number : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Compromised in Data Breach, Delete Immediately Account : XXXX ( Multiple records : # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX ) Status : Compromised in Data Breach, Delete Immediately Account : XXXX XXXX Status : Compromised in Data Breach, Delete Immediately Account : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Compromised in Data Breach, Delete Immediately UNAUTHORIZED INQUIRIES : Inquiry : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX XXXX XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX Immediately Inquiry : XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Immediately Inquiry : XXXX XXXX ( XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX OF XXXX ( XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX XXXX / XXXX GA / XXXX ( XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX / XXXX / XXXX ( XX/XX/XXXX, XX/XX/XXXX ) - Delete Immediately Inquiry : XXXX XXXX / XXXX / XXXX XXXX - Delete Immediately Inquiry : XXXX XXXX ( XX/XX/XXXX ) - Delete Immediately I demand immediate action to block and permanently delete all the aforementioned accounts and inquiries from my credit file within four ( 4 ) business days, as required by FCRA Section 605B for unauthorized use, and within thirty ( 30 ) days for other disputes under FCRA Section 611 ( 15 U.S.C. 1681i ). Enclosed with this letter is a copy of my identification to verify my identity, as required under FCRA. Please confirm in writing that these accounts and inquiries have been removed from my credit file. You may contact me at the information below for any necessary clarification. Failure to comply will result in further action, including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ) and pursuit of legal remedies under applicable federal laws. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation