Consumer complaint received 2025-09-17 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:
Information was involved in a XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and here are the accouts affecting me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC Report Number : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute under FCRA ( 15 U.S.C. 1681i ) Dear XXXX, I am writing to formally demand deletion of inaccurate and unverifiable information appearing on my credit file. I obtained my credit report on XX/XX/XXXX ( XXXX XXXX. XXXX ). As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you must conduct a lawful reinvestigation within 30 days of receipt of this letter. Failure to do so will constitute willful noncompliance. Here is my social XXXX and my ID number is XXXX The following accounts are disputed and must be removed unless you can provide full verification with signed contracts and complete account-level documentation : 15 USC 1692g - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$1300.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  {$890.00} XXXX XX/XX/XXXX These accounts are unverifiable and violate my rights under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) The credit reporting agency must conduct a reasonable reinvestigation of disputed items.

2. 15 U.S.C. 1681e ( b ) Credit reporting agencies must assure maximum possible accuracy of the information they report.

3. 15 U.S.C. 1681i ( a ) ( 5 ) If information can not be verified, it must be deleted promptly from the file. 

This is a formal demand for immediate deletion of the listed accounts. If they are not fully verified, they must be removed. If these accounts remain without complete verification, I will escalate this matter with complaints filed to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney General. 

Enclosed are copies of documents supporting my identity, proof of address, and my FTC Identity Theft Report ( Report XXXX. XXXX ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FTC Report Number : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute under FCRA ( 15 U.S.C. 1681i ) Dear Equifax, I am writing to formally demand deletion of inaccurate and unverifiable information appearing on my credit file. I obtained my credit report on XX/XX/XXXX ( XXXX XXXX. XXXX ). As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you must conduct a lawful reinvestigation within 30 days of receipt of this letter. Failure to do so will constitute willful noncompliance. Also my information was involved in a data breach last year, so I am demanding and enforcing 15 USC 1681C-2, national public data leak. XXXX XXXX record was exposed with mine as well it wasnt me. Here is my social XXXX and my ID number is XXXX The following accounts are disputed and must be removed unless you can provide full verification with signed contracts and complete account-level documentation : 15 USC 1692g - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} Reported XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$1300.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XX/XX/XXXX These accounts are unverifiable and violate my rights under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) The credit reporting agency must conduct a reasonable reinvestigation of disputed items. 
2. 15 U.S.C. 1681e ( b ) Credit reporting agencies must assure maximum possible accuracy of the information they report.

3. 15 U.S.C. 1681i ( a ) ( 5 ) If information can not be verified, it must be deleted promptly from the file. 
This is a formal demand for immediate deletion of the listed accounts. If they are not fully verified, they must be removed. If these accounts remain without complete verification, I will escalate this matter with complaints filed to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney General. 
Enclosed are copies of documents supporting my identity, proof of address, and my FTC Identity Theft Report ( Report XXXX. XXXX ). 
Thank you for your prompt attention to this matter. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC Report Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FTC Report Number : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Credit Report Dispute under FCRA ( 15 U.S.C. 1681i ) Dear XXXX, I am writing to formally demand deletion of inaccurate and unverifiable information appearing on my credit file. I obtained my credit report on XX/XX/XXXX ( XXXX XXXX. XXXX ). As required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you must conduct a lawful reinvestigation within 30 days of receipt of this letter. Failure to do so will constitute willful noncompliance. 

The following accounts are disputed and must be removed unless you can provide full verification with signed contracts and complete account-level documentation : 15 USC 1692g - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$640.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$1300.00} Reported XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$890.00} Reported XX/XX/XXXX These accounts are unverifiable and violate my rights under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) The credit reporting agency must conduct a reasonable reinvestigation of disputed items. 
2. 15 U.S.C. 1681e ( b ) Credit reporting agencies must assure maximum possible accuracy of the information they report.

3. 15 U.S.C. 1681i ( a ) ( 5 ) If information can not be verified, it must be deleted promptly from the file. 

This is a formal demand for immediate deletion of the listed accounts. If they are not fully verified, they must be removed. If these accounts remain without complete verification, I will escalate this matter with complaints filed to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney General. 

Enclosed are copies of documents supporting my identity, proof of address, and my FTC Identity Theft Report ( Report XXXX. XXXX ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX

Company response to consumer: Closed with explanation