Consumer complaint received 2025-12-08 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. Equifax is legally required to complete this action within four business days of receiving this complaint. * Fraudulent Accounts to be Removed : CCOUNTS IN DISPUTE EQUIFAX XXXX XXXX Account Number : XXXX XXXX XXXX  Reported Balances : {$590.00} ( between bureaus ) Reason for Dispute : The balance and status are being reported inconsistently and inaccurately, which violates your duty to ensure maximum possible accuracy under FCRA 607 ( b ).

Requested Action : Immediate deletion from my Equifax file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balances : {$590.00} Reason for Dispute : Balance, status, and/or dates are inconsistent and unreliable, making this account inaccurate and/or unverifiable as currently furnished. 

Requested Action : Immediate deletion from my Equifax file. 

XXXX XXXX  Account Number ( Partial ) : XXXX Reported Balances : {$1500.00} Reason for Dispute : The reported balances and/or dates are not accurate or consistent with other reporting. This account, as currently shown, can not be trusted as accurate.

Requested Action : Immediate deletion from my Equifax file. 

XXXX XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Reported Balance : {$870.00} Reason for Dispute : This collection account is unverifiable and not being reported with maximum possible accuracy. If you can not provide full verification from the original source, it must be deleted. 

Requested Action : Immediate deletion from my Equifax file.

2. HARD INQUIRIES IN DISPUTE EQUIFAX I am disputing the following hard inquiries on my Equifax report : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX & XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief