Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I would like to express my deep displeasure regarding the situation at hand. I appreciate your attention to this matter. I trust this correspondence reaches you in good health. I am reaching out to formally contest the inaccurate information that has been identified on my credit report. Regrettably, I have been affected by the Equifax data breach, resulting in my identity being compromised. I have taken the necessary steps by contacting the Federal Trade Commission ( FTC ) and submitting an official report of identity theft, a copy of which is enclosed for your perusal. Thank you for your prompt attention to this urgent matter. Sincerely, Your Name Per **15 U.S.C. 1681c-2 ( c ) ( a ) **, credit reporting agencies are required to block and remove any information identified as fraudulent within **four business days** of receiving a complaint regarding identity theft. Therefore, I am requesting the immediate blocking and removal of all information related to the fraudulent activity on my credit report.

Specifically, this includes all accounts, inquiries, and other records resulting from the identity theft detailed in the enclosed FTC report. Upon completing this request, I expect to receive an updated credit report reflecting these corrections. 
XXXX XXXX XXXX XXXX - identity theft, please delete XXXX XXXX XXXX XXXXXXXX XXXX Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX  XXXX XXXX Identity theft please delete Its a totally different account number on XXXX which is note accurate across all bureaus the account # on XXXX is XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX identity theft, please delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to respond satisfactorily within the legally mandated timeframe will result in a small claims action against XXXX. I will be seeking damages, including but not limited to, the following violations, each carrying a statutory penalty of {$1000.00} per instance in accordance with **15 U.S.C. 1692k** : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act ( FCRA ) 4. Violation under **15 U.S.C. 1681o** - Civil liability for negligent non-compliance 5. Violation under **15 U.S.C. 1681n ( b ) ** - Civil liability for willful non-compliance 6. Failure to comply with **15 U.S.C. 1692 ( g ) ** 7. Violation under **15 U.S.C. 1681b** - Permissible purpose of consumer reports 8. Violation under **15 U.S.C. 1681i ( 7 ) ** - Method of verification 9. Violation of **15 U.S.C. 1681a ( 4 ) ** - Right to privacy 10. Violation of **15 U.S.C. 1681c** - Requirements relating to information contained in consumer reports

Company response to consumer: Closed with explanation