Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLCXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Fraudulent Accounts Resulting from Data Breaches ( Equifax XXXX XXXX ) FCRA 1681 et seq.

To Whom It May Concern, I am writing to formally dispute fraudulent accounts and/or derogatory information that have appeared on my consumer report as a direct result of the Equifax data breach and the XXXX XXXX XXXX. I did not authorize, create, or consent to these accounts, and they are the product of identity theft and the unlawful compromise of my personal identifying information. The accounts are as follows XXXX XXXX  {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4300.00} opened XXXX, XXXX XXXX  {$11000.00} # XXXX opened XXXXXXXX XXXX XXXX {$11000.00} # XXXX opened XXXX, XXXX {$3300.00} opened XXXX, XXXX {$490.00} opened XXXX. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand the following : 1. Immediate Blocking and Deletion Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove any information on my credit file that resulted from identity theft within 4 business days of receiving this dispute and supporting documentation.

2. Reinvestigation Obligation Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of all disputed items, verify their accuracy with the furnisher of the information, and delete any item that can not be fully verified.

3. Accuracy Requirement Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), you are legally obligated to maintain the maximum possible accuracy of my consumer file. Continuing to report fraudulent or unverified accounts violates this duty.

4. Notification to Furnishers Under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are also prohibited from reporting information they know or should know is inaccurate. You must inform any data furnishers of this dispute. 
The fraudulent accounts and information must be permanently removed and blocked from my consumer file, as I am a documented victim of identity theft directly linked to the Equifax and XXXX breaches. 
Enclosed are the following documents as proof of my dispute : * Copy of my government-issued ID * Copy of proof of address * Copy of FTC Identity Theft Report / Police Report ( if available ) * Documentation of breach notification ( if available ) Failure to comply with your obligations under the FCRA will leave me no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and initiating legal action for statutory damages, punitive damages, attorneys fees, and costs as allowed under FCRA 616617 ( 15 U.S.C. 1681n1681o ). 
This letter serves as formal notice. You are expected to respond to this dispute and confirm the permanent removal of the fraudulent accounts within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation