Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax XXXX breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX  Account Number : XXXX * * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Account Name : XXXX Account Number : XXXX * XXXX * * * * * * * * * * * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Account Name : XXXX XXXXccount Number : XXXX * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Inquiries : Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Legal Basis for My Dispute XXXX. Violation of 15 U.S.C. 1681i ( FCRA XXXX in XXXX of XXXX XXXX ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
XXXX. Violation of 15 U.S.C. 1681c-2 ( XXXX of XXXX Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law XXXX. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state. 
My Demands XXXX. XXXX Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay. 
XXXX. XXXX of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines. 
XXXX. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.

Company response to consumer: Closed with non-monetary relief