Consumer complaint received 2024-11-22 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: OH

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent Entries on Equifax Report To Whom It May Concern, I am filing this complaint to request the removal of one fraudulent account and one unauthorized inquiry that remain on my Equifax credit report. These entries are the result of identity theft, as my personal information was unlawfully used without my consent. 

I have provided sufficient documentation, including an FTC Identity Theft Report and proof of identity, to Equifax. Despite this, the fraudulent entries have not been removed, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Fraudulent Entries on Equifax Report : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifaxs Obligations Under FCRA : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Upon receipt of an identity theft report and sufficient documentation, Equifax must block the fraudulent information within four business days.

2. FCRA 611 ( 15 U.S.C. 1681i ) : Equifax must investigate disputes and delete inaccurate information within 30 days of receiving a dispute. Failure to investigate or correct inaccuracies violates this provision.

3. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Equifax is required to ensure the maximum possible accuracy of consumer reports. By continuing to report this fraudulent information, Equifax has failed to meet this standard.

4. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ) : Equifax must not include inaccurate or fraudulent information after being notified and must conduct a thorough investigation into the dispute.

5. FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) : Equifaxs failure to comply with the above provisions exposes it to statutory and punitive damages for willful or negligent noncompliance. 



Harm Caused by Fraudulent Entries : The presence of this fraudulent account and inquiry has caused : A significant decline in my credit score. 

Denial of credit applications. 

Emotional and financial stress. 


Requested Actions from Equifax : 1. Immediate Removal : Fraudulent account ( XXXX XXXX XXXX, Account No. XXXX ). 

Unauthorized inquiry ( XXXX XXXX XXXX  XXXX, XX/XX/XXXX ). 



2. Written Confirmation : A written statement confirming the removal of the fraudulent entries from my Equifax credit report.

3. Investigation Report : A detailed explanation of the steps Equifax has taken to verify and resolve this identity theft issue. 


4. Compliance Assurance : Assurance that these fraudulent entries will not reappear on my Equifax report in the future. 



Attachments : FTC Identity Theft Report Proof of Identity ( e.g., Drivers License and Social Security Card ) Failure to resolve this issue promptly will result in additional complaints filed with the Federal Trade Commission ( FTC ) and my state Attorney General. I also reserve the right to pursue damages under FCRA 616 and 617 for noncompliance. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation