Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : SSN : XXXX Urgent Notice of Identity Theft and Demand for Immediate Action To Whom It May Concern, I am writing to demand the immediate removal of fraudulent accounts and inquiries from my credit report, resulting from identity theft, and which your agency has unlawfully reported. These accounts were not initiated by me, and your failure to verify and act as mandated by law has resulted in a serious breach of my rights under federal regulations. 

Under 15 USC 1681b ( c ), credit reporting agencies are prohibited from reporting information related to credit or insurance transactions that the consumer did not initiate. The following fraudulent inquiries, tied to identity theft, must be immediately deleted from my report : Inquiry : [ Company Name, Date of Inquiry ] ( These inquiries are a direct result of fraudulent activity and were not initiated by me. ) As required by 15 USC 1681b and the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are obligated to exercise their responsibilities with accuracy, fairness, and respect for privacy. Your failure to comply with these obligations, despite my clear notification of identity theft, is a violation of federal law and exposes you to significant liability.

Additionally, as stated under 18 U.S.C. 1028A, the unauthorized use of another persons identity is an aggravated felony and punishable by up to two years of imprisonment. I am formally placing you on notice of this violation and demand the immediate action required by law. 

List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681c-2, consumer reporting agencies are required to block all information linked to identity theft within 4 business days after receiving the following : Proof of my identity ( enclosed ).

A copy of my FTC Identity Theft Report ( enclosed ).

Identification of fraudulent information on my report.

A statement confirming that these accounts do not relate to any transaction I authorized.

I demand that all fraudulent accounts listed above be immediately blocked from my credit report. Furthermore, in accordance with 15 USC 1681c-1 ( 2 ), I expect to receive an updated copy of my credit file reflecting these corrections.

Finally, be advised that I will be copying the following agencies and authorities on this correspondence : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX The Attorney Generals Offices in both your state and mine I expect your full cooperation in resolving this issue without delay. Failure to comply with my legal rights will result in further action on my part, including legal recourse to ensure my identity and credit are protected. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of Identification ( ID ) Utility Bill ( Proof of Address ) Copy of Social Security Card FTC Identity Theft Report

Company response to consumer: Closed with explanation