Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Demand to Block and Permanently Delete Fraudulent Accounts Under FCRA 605B ( 15 U.S. Code 1681c-2 ) To Whom It May Concern, I am writing to formally demand the immediate blocking and permanent deletion of all fraudulent accounts reported in my name as a result of identity theft and/or the recent data breach that compromised my personal information. These accounts were not authorized by me, were fraudulently created, and must be addressed in strict compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX XXXX Account Number : XXXX I request validation under 15 US Code 1692g - Validation of debts. There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request the blocking of information resulting from identity theft. There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> ), you may be liable for your willful non-compliance. 

XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX15 U.S. Code 1681i ) There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 

XXXX. XXXX XXXX XXXX Account Number : XXXX - 15 U.S. Code 1681i ) There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), you may be liable for your willful non-compliance. 

XXXX. XXXX XXXX Account Number : XXXX XXXX15 U.S. Code 1681i There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXXXX/XX/year> ), you may be liable for your willful non-compliance. 
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XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - 15 U.S. Code 1681i There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/year> ), you may be liable for your willful non-compliance. 


XXXX. XXXX XXXX Account Number : XXXX XXXX15 U.S. Code 1681i ) : There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 


XXXX. XXXXXXXX XXXX Account Number : XXXX U.S. Code 1681i ) : There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

XXXX. XXXXXXXX XXXX  Account Number : XXXX 15 U.S. Code 1681i ) : There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ), you may be liable for your willful non-compliance. 

XXXX. XXXXXXXX XXXX Account Number : XXXX XXXX15 U.S. Code 1681i ) : There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXXXX/XX/year> ), you may be liable for your willful non-compliance. 

XXXX. XXXX XXXX Account Number : XXXX 15 U.S. Code 1681i ) : There has been no method of validation sent to me to confirm this debt is mine. This was requested multiple times to the agency. The fact that you are still reporting this alleged debt without proper validation is violating my rights as a consumer. You are reporting this without valid evidence. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> ), you may be liable for your willful non-compliance. 

XXXX. FCRA 605B ( 15 U.S. Code 1681c-2 ) : You are legally required to block any item of information that resulted from identity theft within XXXX ( XXXX ) business days of receiving this notice and supporting documentation. These fraudulent accounts must no longer appear in my credit report, and you are prohibited from re-inserting them unless you have a good faith reason to believe the information is accurate and if so, you must notify me in writing within XXXX ( XXXX ) business days, as required by law. 
XXXX. FCRA 611 ( 15 U.S. Code 1681i ) : I am formally disputing any and all inaccurate or XXXX of XXXXunverifiable information related to the above accounts. You are obligated to investigate, delete, or correct any data that can not be verified. 
XXXX. FCRA 1681e ( b ) : As a consumer reporting agency, you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. XXXX have reason to believe that multiple accounts may be invalid due to identity theft, and mustact accordingly. 
XXXX. FCRA 1681g ( a ) : I am exercising my right to request a complete copy of my consumer fileto verify what information is being reported and to confirm the removal of these fraudulentaccounts. 
XXXX. FCRA 1681m : You are prohibited from reporting any negative data resulting from identitytheft in a way that harms the consumer. These unauthorized accounts must be removed in full. 
XXXX. FCRA 1681n : Please be advised that I reserve my right to pursue statutory damages, actual damages, punitive damages, attorneys fees, and court costs if you willfully fail to complywith any of these obligations under the FCRA. 
Enclosed Documentation : Identity Theft Affidavit ( FTC or equivalent ) Government-Issued ID Social Security Card Proof of Address What You Must Do : Block and permanently remove all fraudulent accounts listed above within XXXX business days Provide me with written confirmation once completed Do not reinsert these items unless all legal requirements under 605B ( c ) are met Send me a full copy of my current credit file for review This is not a request this is a legal demand backed by federal law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, in addition to the pursuit of legal remedies in civil court. 
I look forward to your written confirmation of compliance within XXXX business days as required under the FCRA.

Company response to consumer: Closed with non-monetary relief