Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute multiple fraudulent accounts currently appearing on my credit file. I am a victim of identity theft and a confirmed participant in the Equifax data breach, during which my personal information was compromised. As a result, fraudulent accounts were opened in my name without my knowledge, authorization, or consent.

Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate blocking and permanent deletion of the following accounts : Accounts to Be Removed Immediately XXXX  XXXX XXXX Account Number : XXXX Credit Limit XXXX {$800.00} Status : Fraudulent account opened due to Equifax data breach XXXX XXXX XXXX XXXX Account Number ( Last Digits ) : XXXX Original Balance : {$11000.00} Status : Fraudulent, identity theft-related XXXX XXXX XXXX Original Balance : {$23000.00} Status : Fraudulent, originated as a result of identity theft Supporting Legal Authority FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information within 4 business days of receiving valid identity theft documentation.

FCRA 1681i : Requires a reasonable investigation of disputed information.

FCRA 1681e : Requires reasonable procedures to ensure maximum possible accuracy in consumer reporting.

My Requests Immediately block and permanently delete all accounts listed above from my credit report in accordance with FCRA 605B.

Conduct a reasonable and documented investigation under FCRA 1681i.

Provide me with a complete method of verification for each account, including : What steps were taken to verify that I opened or authorized the account?

What original documentation ( signed applications, contracts, etc. ) do you have that link me to these accounts?

If no such documentation exists, these accounts must be deleted immediately.

You Are Also on Notice These fraudulent accounts were created as a direct result of the Equifax data breach. Therefore, I am demanding that you also : Detail what steps you are taking to prevent further reporting or damage to my credit profile.

Explain what consumer protections you have in place to ensure I do not continue to suffer due to Equifaxs negligence.

Attached Documentation ( as required by FCRA 605B ) Copy of my government-issued photo ID Copy of a recent utility bill ( proof of address ) Copy of my FTC Identity Theft Report and/or Police Report Proof of my participation in the Equifax data breach ( e.g., settlement or breach notice ) These documents confirm my identity and support my dispute of the accounts in question.

This letter constitutes formal legal notice. Failure to act in accordance with federal law may result in : Complaints to the Consumer Financial Protection Bureau ( CFPB ) Complaints to the Federal Trade Commission ( FTC ) Contacting the State Attorney Generals Office Civil litigation and pursuit of financial compensation for damages Final Request Please send me : Written confirmation of the outcome of your investigation Written proof of deletion of the fraudulent accounts from all consumer reporting agencies Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation