Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Subject : Request for Immediate Investigation and Deletion of Collection Entry Due to Data Breach and Identity Theft- 2ND REQUEST I am writing to formally dispute certain information that appears on my credit report. Specifically, I am requesting the deletion of any and all collection accounts that may be associated with identity theft stemming from a recent data security breach involving the City of XXXX XXXX and other systems. ( proof attached ) As disclosed in their public notice, unauthorized actors obtained sensitive files containing the following personal data : Full name Clinical or treatment information Date of birth Addresses Social Security number And other sensitive information.

This data breach has made me vulnerable to identity theft, and I am now experiencing the consequences of this breach, including the appearance of inaccurate or fraudulent collection accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I have the right to request the blocking or removal of information resulting from identity theft. This law mandates that credit reporting agencies must block such information from appearing in a consumers report once it is proven to be a result of fraud. 
I am asserting my rights under the following laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block information resulting from identity theft from consumer reports within 4 business days of receiving the request and proper documentation.

FACTA ( Fair and Accurate Credit Transactions Act ) : Expands the rights of consumers to place fraud alerts and request blocking of fraudulent data from their credit file.

FCRA 611 ( 15 U.S.C. 1681i ) : Gives consumers the right to dispute incomplete or inaccurate information and requires the CRA to investigate and correct or delete the data within 30 days.

Attached to this letter, you will find : A copy of my government-issued ID A copy of a utility bill or other proof of address A copy of the data breach notification from the City of XXXX XXXX A formal Identity Theft Report A list of disputed accounts Please conduct a full investigation and delete any collection account ( s ) associated with this breach or any resulting fraudulent activity. I expect compliance with FCRA 605B, and I am requesting confirmation that these accounts have been removed within 4 business days from receipt of this notice. 

Accounts : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to comply will result in 2ND formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil legal action for noncompliance with federal credit reporting statutes.

Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief