Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Notice of Data Breach Exposure and Dispute of Inaccurate Credit Reporting ( Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Uniform Commercial Code ( UCC ) Article 9 ) To Whom It May Concern : This letter serves as a formal dispute and notice regarding inaccurate, outdated, or unauthorized information appearing on my credit reports, as well as acknowledgment of my confirmed data exposure in the XXXX breaches involving XXXX XXXX, and Equifax. 
In light of this confirmed breach and my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and UCC Article 9, I am requesting immediate reinvestigation, correction, and deletion of all unverifiable or inaccurate data currently appearing on my consumer report.

1. Legal Authority Invoked This dispute is made pursuant to : 15 U.S.C. 1681a ( 1 ) defining consumer status and rights ; 15 U.S.C. 1681a ( 5 ) ( B ) prohibiting unauthorized disclosure or transfer of consumer data ; 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy in credit reporting ; 15 U.S.C. 1681i requiring reinvestigation within 30 days of dispute receipt ; 15 U.S.C. 1692c & 1692e governing fair debt collection communications ; and UCC Article 9 requiring verification and accuracy of any assigned or secured debts.

2. Data Breach Exposure My personally identifiable information ( PII ) has been confirmed as compromised in the XXXX XXXX Data Breachand related XXXX  / Equifax data integrity incidents.

Given this exposure, I request elevated review, verification, and deletion of any unverifiable entries that may stem from fraudulent or erroneous activity. 

3. Disputed and Inaccurate Accounts The following items are inaccurate, fraudulent, or not associated with me.

They must be removed or corrected immediately in compliance with 15 U.S.C. 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Not my account. No contract or authorization ; reported in error or due to identity misuse. 
Not my account. Address and billing inconsistent with my residence history. 
XXXX XXXX XXXX ( Credit Card Account ) XXXX XXXX XXXX XXXXXXXX Data not updated and should be removed from all credit files. 
Incorrect Address ( es ) The following addresses are not mine and must be deleted : XXXXXXXX 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 Phone numbers XXXX Student loans were in deferment and IRD forgiveness reported incorrectly My loan was in authorized deferment during the period being reported.

However, the account is being reflected as : Delinquent, OR In repayment inaccurately, OR Incorrectly coded under IDR forgiveness/payment history This reporting is false, misleading, and materially inaccurate.

I also request verification of any affiliated or re-aged versions of these accounts under alternate names or collectors.

4. Required Actionsm 1 Conduct a complete reinvestigation of each disputed item within 30 days of receiving this notice.

2 Delete or correct all unverifiable, outdated, or inaccurate information.

3 Provide a complete copy of my consumer file and access history for the past 12 months.

4 Apply a security freeze and fraud alert to my credit files at no cost.

5 Provide written confirmation of all actions taken, mailed to the address listed above.

6 Notify me of any open or pending breach settlements or investigations related to my information.

5. Notice to CFPB and FTC Copies of this notice are sent to the CFPB and FTC for monitoring and compliance.

Failure to comply within the statutory timeframe may result in formal complaints or legal remedies under 15 U.S.C. 1681n, 1681o, and 1692k.

6. Preservation of Rights This letter serves as formal reservation of all rights under : FCRA ( 15 U.S.C. 16811681x ) FDCPA ( 15 U.S.C. 16921692p ) UCC Article 9 Applicable state data-privacy laws 7. Response Address Please mail all reinvestigation results, confirmations, and updated credit reports to : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Respectfully, ______________________________ XXXX XXXX

Company response to consumer: Closed with explanation